Comparison

Budget Flow | Expense Tracker vs Spendaq

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Budget Flow | Expense Tracker

Effortlessly track income and expenses with this modern, user-friendly expense tracker. It offers secure offline use, customizable dashboards, and robust budget planning tools to help you achieve your financial goals.

Highlights
  • Track income and expenses
  • Customizable dashboard
  • Multiple accounts and categories
  • Budget planning
  • Shared budgeting
  • Secure data storage
  • Offline use
Features
Read full description

Budget Flow lets you keep track of your income and expenses and manage them effortlessly. This modern and user-friendly expense tracking app is quick to set up, requires no registration and can even be used offline. Budget Flow is the app for anyone who wants to manage their finances efficiently while maintaining a high level of data security. Download Budget Flow today and achieve your financial goals! HIGHLIGHTS: Clear financial management: - Keep track of your accounts, balances and transactions - Configurable dashboard with numerous widgets - Multiple sorting, search and filtering options - Customizable time period for the entire app Create accounts and categories: - Create multiple accounts and categories - Customizable with icons, emojis and colors - Organize categories into folders Easy transaction management: - One-time and recurring transactions - Integrated calculator for accurate entries - Automatic conversion to over 150 currencies - Add photos, locations and notes - Scan receipts with automatic data recognition - Reminders for planned transactions Budget planning: - Plan budgets for your categories - Choose different recurrence intervals Shared budgeting: - Supports multiple budget books and users - Share data via iCloud to collaborate with multiple people Data security: - Secure data storage - No login required - Face ID / Touch ID / Passcode support Other features: - Apple Watch app incl. complications - Mac app incl. keyboard support & shortcuts - Home & Lock Screen widgets - Siri Shortcuts support - Import and export data via CSV file - Numerous personalization options - Seamless iCloud synchronization - Responsive design incl. dark mode - Dynamic text size - ...and much more! IN-APP PURCHASES: Budget Flow is free to download. Some features require an optional subscription or one-time purchase of the full version. LEGAL: Privacy policy: https://budget-flow.app/privacy-policy Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula

About

Spendaq

This app helps you track your expenses and manage your budget without needing to link bank accounts. It offers a private and secure way to monitor your spending, set budget limits, and view detailed reports. Features include quick transaction logging, recurring bill reminders, and customizable categories.

Highlights
  • Fast expense logging
  • Customizable budgets
  • Privacy-focused design
  • Offline functionality
  • Data export (Pro)
  • Multiple financial vaults (Pro)
Features
Read full description

Stop wondering where your money went. Spendaq is the fast, private expense tracker and money manager that puts you back in control — log daily spending, track subscriptions and recurring bills, and plan your monthly budget. No bank login, no data sold, no clutter. Just your money, clearly tracked. LOG EXPENSES IN SECONDS Add any transaction in under 5 taps. Set recurring bills once, never forget them. Use categories, payment methods, and notes to stay organised. BUDGETS THAT ACTUALLY WORK Set a monthly limit per category and get alerted before you overspend. The spending ring on your dashboard shows exactly where your money goes — at a glance. TOTAL PRIVACY No bank connection. No data sold. Your financial data lives on your device and optionally in your private iCloud — nowhere else. EVERYWHERE YOU NEED IT Apple Watch complication, home screen and lock screen widgets, full iPhone and iPad support. Works completely offline. ICLOUD BACKUP (PRO) Back up and restore your data securely to iCloud. Switch phones or restore from backup — your data is always safe and private. MULTIPLE VAULTS (PRO) Separate personal, travel, and business expenses in isolated vaults. Switch between them in one tap. EXPORT & REPORTS (PRO) Export to CSV or PDF. Deep monthly reports, category breakdowns, date-range filters, and payment method analysis. PRO INCLUDES: - Unlimited transactions - iCloud encrypted backup - CSV and PDF export - Advanced reports and date filters - Custom categories - Payment method tracking - Multiple vaults - Apple Watch and home screen widgets Start with a free 1-week trial. Cancel anytime, no questions asked. SUBSCRIPTION INFO: Spendaq Pro is an optional auto-renewing subscription. Payment is charged to your Apple ID account at confirmation of purchase. Your subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in App Store Settings. Privacy Policy: https://www.spendaq.com/privacy Terms of Use: https://www.spendaq.com/terms Your money. Your rules. Your privacy.

Screenshots

Budget Flow | Expense Tracker4 screens
Spendaq4 screens

Verdict

The call

The clearest difference is ratings volume: Budget Flow | Expense Tracker at 341 against Spendaq's 2. Budget Flow | Expense Tracker also leads on rating (4.8 vs 4.5). Spendaq's advantage is review sentiment (100% vs 90%). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Budget Flow | Expense Tracker sells 4 in-app purchases, starting at $4.99 per month and Spendaq sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Budget Flow | Expense Tracker holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: Budget Flow | Expense Tracker has 341 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 90% of Budget Flow | Expense Tracker's written reviews are positive against 100% of Spendaq's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Budget Flow | Expense Tracker ships an update every 2 weeks, Spendaq every 3 weeks. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard3 real differences · 7 level
Budget Flow | Expense Tracker versus Spendaq: the parameters behind the verdict, then further details
ParameterBudget Flow | Expense TrackerSpendaq
PriceFreeFree
Rating4.8 (341 ratings) — better4.5 (2 ratings)
Positive reviews90.3% of reviews100.0% of reviews — better
Number of ratings341 — better2
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone, iPad, Apple Watch
Requires iOS16.0 — better17.0
Further details — not scored
Size215 MB14 MB
Age rating4+4+
DeveloperFabian HasseRakib Joarder

Customer experience

Budget Flow | Expense Tracker

All ratings341 ratings
Positive94.7%
Neutral1.8%
Negative3.5%
Written reviews485 reviews
Positive90.3%
Neutral4.5%
Negative5.2%

Spendaq

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Budget Flow | Expense Tracker

Reported bugs

3 issues
  • Transactions disappearing from accounts
  • Inconsistent data display in reports
  • Rounding issues with decimal amounts

Requested features

5 requests
  • Add monthly recurring reminders
  • Improve search functionality
  • Provide more detailed budgeting options
  • Integrate receipt scanning and OCR
  • Allow custom currency support

Spendaq

Not enough reviews yet to summarise bugs or requests.

In-app purchases

4 purchases

Budget Flow | Expense Tracker

Subscriptions2
  • Full Version (1 Month)$4.991 Month
  • Full Version (1 Year)7 Days trial$29.991 Year
One-time2
  • Full Version (Discounted)$49.99
  • Full Version (Lifetime)$69.99
3 purchases

Spendaq

Subscriptions2
  • Spendaq Pro Monthly$4.991 Month
  • Spendaq Pro Annual7 Days trial$29.991 Year
One-time1
  • Spendaq Pro – Lifetime$79.99

Questions

Is Budget Flow | Expense Tracker free?
Budget Flow | Expense Tracker is free to download, with in-app purchases available.
Is Spendaq free?
Spendaq is free to download, with in-app purchases available.
Which has better reviews, Budget Flow | Expense Tracker or Spendaq?
Budget Flow | Expense Tracker is rated higher. Budget Flow | Expense Tracker averages 4.8 out of 5 from 341 ratings, while Spendaq averages 4.5 from 2 ratings.
Do Budget Flow | Expense Tracker or Spendaq have ads?
Neither Budget Flow | Expense Tracker nor Spendaq shows ads.
Which is updated more often, Budget Flow | Expense Tracker or Spendaq?
Budget Flow | Expense Tracker ships an update every 2 weeks, and Spendaq every 3 weeks. Most recently, Budget Flow | Expense Tracker was updated on November 3, 2026 and Spendaq on October 31, 2026.

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