Comparison

Budget Flow vs FARM

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

Head to head
About

Budget Flow

Features
Read full description

Budget Flow is a smart, private money tracker with a built-in AI assistant. Log income and expenses in seconds, see where your money goes, and plan ahead β€” in any currency. FEATURES β€’ Track income & expenses by category β€’ Multi-currency accounts (cash, card, bank, savings) β€’ AI assistant β€” just ask "how much did I spend on food?" β€’ Smart auto-categorization of transactions β€’ Monthly reports & charts by category β€’ Spending planner with month-to-month carry-over β€’ 5 languages, light & dark themes Your data is yours: delete your account and all data anytime. Support: https://budget-ai-production-cfbf.up.railway.app/support Privacy: https://budget-ai-production-cfbf.up.railway.app/privacy

About

FARM

Features
Read full description

Take control of your finances, effortlessly. FARM helps you track expenses, manage accounts, plan ahead, and understand your money with clarity. Designed for everyday use, it gives you powerful financial tools without unnecessary complexity. Track transactions in seconds Record income, expenses, and transfers using intuitive forms and smart autocompletion. Organize everything with accounts, categories, tags, notes, logos, and receipts. Understand your money Explore clear dashboards, reports, balances, comparisons, and trends. See where your money goes and how your financial situation evolves over time. Plan ahead β€’ Recurring transactions β€’ Reminders and notifications β€’ Widgets for upcoming transactions β€’ Loan and compound interest calculators β€’ Financial planning tools Keep your data protected Back up your information with iCloud and restore it whenever you need it. You can also export and import your FARM data and media. Connect FARM with ChatGPT Use FARM’s MCP integration to work with your financial information from ChatGPT. Send receipts, prepare transaction proposals for review, ask questions about your finances, and receive clear analysis to help you make better decisions. Private by design Your financial information remains under your control. FARM is built with privacy in mind and only uses connected services when you choose to enable them. Simple, fast, and reliable No clutter. No unnecessary steps. Just a clean and practical way to manage your personal finances every day. Free and FARM Pro FARM includes all the essential tools for managing your finances at no cost. Free features include: β€’ Unlimited transactions β€’ Unlimited accounts, categories, and tags β€’ Recurring transactions β€’ Reminders and notifications β€’ Upcoming transactions widgets β€’ Reports and financial tools β€’ Loan and compound interest calculators β€’ iCloud backup β€’ Data and media export and import FARM Pro includes: β€’ Unlimited FARM Cloud usage β€’ Unlimited FARM MCP usage with ChatGPT FARM Pro is available through a subscription or lifetime purchase. Download FARM and manage your finances with confidence β€” free to start, with FARM Pro available when you want unlimited cloud and ChatGPT connectivity.

Screenshots

Budget Flow4 screens
FARM4 screens

Verdict

The call

The clearest difference is in-app purchases: Budget Flow at none against FARM's 2. Budget Flow also leads on update cadence (every 4 days vs every 6 months) and device support (3 vs 1). On price and ads there is nothing between them.

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. FARM sells 2 in-app purchases, starting at $24.99 per year. Budget Flow asks for nothing beyond the download.

UpkeepUpdate frequency

Budget Flow ships an update every 4 days, FARM every 6 months. The most recent releases landed on October 2, 2026 and October 14, 2026 respectively.

Scorecard4 real differences Β· 2 level
Budget Flow versus FARM: the parameters behind the verdict, then further details
ParameterBudget FlowFARM
PriceFreeFree
Update frequencyEvery 4 days β€” betterEvery 6 months
AdsNoNo
In-app purchasesNo β€” betterYes
DevicesiPhone, iPad, iPod β€” betteriPhone
Requires iOS15.1 β€” better26.1
Further details β€” not scored
Size48 MB51 MB
Age rating4+4+
DeveloperDmytro ZayetsADVISER GROUP COMMUNITY SL

In-app purchases

None

Budget Flow

No in-app purchases

2 purchases

FARM

Subscriptions1
  • FARM Pro Yearly14 Days trial$24.991 Year
One-time1
  • FARM Pro Lifetime$89.99

Questions

Is Budget Flow free?
Budget Flow is free to download, with no in-app purchases.
Is FARM free?
FARM is free to download, with in-app purchases available.
Do Budget Flow or FARM have ads?
Neither Budget Flow nor FARM shows ads.
Which is updated more often, Budget Flow or FARM?
Budget Flow ships an update every 4 days, and FARM every 6 months. Most recently, Budget Flow was updated on October 2, 2026 and FARM on October 14, 2026.

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