Comparison

Budget Flow | Expense Tracker vs bam debts

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

bam debts

Features
Read full description

bam debts turns IOUs between friends into clear shared balances. Add a debt using a friend’s username. If you say they owe you, they review the claim before it changes either balance. If you record that you owe them, it is accepted immediately. Swipe left to create a trip, invite friends, and split shared expenses equally or by custom amounts. Keep everyone’s balance clear, then finish and hide the trip when you’re done. When it is time to settle, the payer marks a payment as sent and the receiver confirms it. Only then does the shared balance change. Features: • Unique @usernames • Accepted and declined debt claims • Live shared balances • Trips with invited friends and equal or custom expense splits • Clear per-person and multi-currency balances • Confirmed settlement records • Home Screen balance widget • Optional notifications for debts, payments, trips and repayment-detail requests • Private name and IBAN sharing • No ads or cross-app tracking bam debts records payments between friends but does not transfer money.

Screenshots

Budget Flow | Expense Tracker4 screens
bam debts4 screens

Verdict

The call

The clearest difference is in-app purchases: bam debts at none against Budget Flow | Expense Tracker's 4. bam debts also leads on update cadence (every 5 days vs every 2 weeks). Budget Flow | Expense Tracker's advantage is device support (4 vs 1). On price, ads and iOS requirement 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. bam debts asks for nothing beyond the download.

UpkeepUpdate frequency

Budget Flow | Expense Tracker ships an update every 2 weeks, bam debts every 5 days. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard3 real differences · 7 level
Budget Flow | Expense Tracker versus bam debts: the parameters behind the verdict, then further details
ParameterBudget Flow | Expense Trackerbam debts
PriceFreeFree
Rating4.8 (341 ratings) — better—
Positive reviews90.3% of reviews—
Number of ratings341 — better—
Update frequencyEvery 2 weeksEvery 5 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone
Requires iOS16.0 — better17.0
Further details — not scored
Size215 MB16 MB
Age rating4+4+
DeveloperFabian HasseVerbeet UG (haftungsbeschränkt)

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

bam debts

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
None

bam debts

No in-app purchases

Questions

Is Budget Flow | Expense Tracker free?
Budget Flow | Expense Tracker is free to download, with in-app purchases available.
Is bam debts free?
bam debts is free to download, with no in-app purchases.
Do Budget Flow | Expense Tracker or bam debts have ads?
Neither Budget Flow | Expense Tracker nor bam debts shows ads.
Which is updated more often, Budget Flow | Expense Tracker or bam debts?
Budget Flow | Expense Tracker ships an update every 2 weeks, and bam debts every 5 days. Most recently, Budget Flow | Expense Tracker was updated on November 3, 2026 and bam debts on October 31, 2026.

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