# Budget Flow | Expense Tracker vs Sephiance

The clearest difference is update cadence: Sephiance at every 4 days against Budget Flow | Expense Tracker's every 2 weeks. Budget Flow | Expense Tracker's advantage is device support (4 vs 2) and iOS requirement (16.0 vs 26.4). On price, ads and in-app purchases there is nothing between them.

Both are free to download. Budget Flow | Expense Tracker sells 4 in-app purchases, starting at $4.99 per month and Sephiance sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Budget Flow | Expense Tracker ships an update every 2 weeks, Sephiance every 4 days. The most recent releases landed on November 7, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Budget Flow | Expense Tracker | Sephiance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (343 ratings)](https://appshunter.io/ios/app/budget-flow-expense-tracker/id1640091876/reviews)** | — |
| Number of ratings | **343** | — |
| Positive reviews | 90.3% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 4 days** |
| Monetization | Free with in-app purchases | — |
| Size | 216 MB | 6 MB |
| Requires iOS | **16.0** | 26.4 |
| Devices | **iPhone, iPad, Mac, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Fabian Hasse](https://appshunter.io/developer/1529861729) | [IOANNIS TZALAS](https://appshunter.io/developer/1896774179) |

## What reviewers say

### Budget Flow | Expense Tracker

[App page](https://appshunter.io/ios/app/budget-flow-expense-tracker/id1640091876)

Effortlessly track income and expenses with this modern, user-friendly finance app. It offers secure offline use, customizable dashboards, and robust budgeting tools. Manage multiple accounts, plan budgets, and even share data for collaborative financial management.

**Highlights:** Track income and expenses, Customizable dashboard, Multiple accounts and categories, Budget planning, Shared budgeting, Offline use, Secure data storage

**Features:** Family Sharing, Apple Watch app, Vision Pro support, iPhone Duo support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Full Version (1 Month) | $4.99 | per month |
| Full Version (1 Year) | $29.99 | per year |
| Full Version (Discounted) | $49.99 | one-time |
| Full Version (Lifetime) | $69.99 | one-time |

**What reviewers like**

- 🚀 Excellent app features
- 👍 Easy to use and intuitive
- 💰 Helpful for tracking expenses
- 🔍 Customizable and flexible
- 🌟 Great user interface

**What reviewers complain about**

- 🐛 Some bugs and glitches
- 💱 Lack of currency conversion options
- 📊 Limited reporting and analytics
- 🔒 No bank account integration

**Reported bugs**

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

**Requested features**

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


### Sephiance

[App page](https://appshunter.io/ios/app/sephiance-financial-tools/id6771245791)

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Sephiance Premium Monthly | $0.99 | per month |
| Sephiance lifetime | $8.99 | one-time |


## Frequently asked questions

### Is Budget Flow | Expense Tracker free?

Budget Flow | Expense Tracker is free to download, with in-app purchases available.

### Is Sephiance free?

Sephiance is free to download, with in-app purchases available.

### Do Budget Flow | Expense Tracker or Sephiance have ads?

Neither Budget Flow | Expense Tracker nor Sephiance shows ads.

### Which is updated more often, Budget Flow | Expense Tracker or Sephiance?

Budget Flow | Expense Tracker ships an update every 2 weeks, and Sephiance every 4 days. Most recently, Budget Flow | Expense Tracker was updated on November 7, 2026 and Sephiance on November 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*