Fineyo vs Flow
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Fineyo
Effortlessly manage your finances with a powerful yet simple expense tracker. Log spending, create budgets, and gain clear insights into your financial habits. Designed for clarity and ease of use, it helps you build better financial habits.
- Expense & Income Tracker
- Budget Planner
- Spending Insights & Charts
- Custom Categories
- iCloud Sync
- Offline Mode
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A simple, private expense tracker. Log spending in seconds, set budgets that keep you on track, and see exactly where your money goes. No bank login needed. SHARED SPACES, WHEN YOU NEED THEM Managing money with a partner, family or roommates? Create a shared space and invite them with a link. Everyone adds expenses from their own iPhone, sees the same budgets and knows who added what. Your Personal space stays separate. ADD EXPENSES IN SECONDS Type an amount, pick a category, done. Or say it: "Coffee 4.50 today" and Fineyo fills in the details. A ready-made Shortcut can log your Apple Pay purchases automatically. SEE WHERE YOUR MONEY GOES One clean dashboard for all your accounts: bank, cards and cash. Charts show monthly trends and your biggest categories, so you can spot overspending before it adds up. BUDGETS THAT GUIDE YOU Set limits per category and get a gentle heads-up when you get close. No guilt, no pressure. Just enough to stay on track. ALL FEATURES - Expense and income tracking - Voice input - Category budgets with alerts - Spending charts and monthly insights - Multiple accounts: bank, cards, cash - Shared spaces with family or roommates - Multi-currency support - Custom categories with emoji - Apple Pay logging with Shortcuts - Search and filters - CSV export - iCloud sync across your devices - Works offline - Dark mode, themes and custom app icons PRIVATE BY DESIGN No bank login needed. Your data lives on your devices and in your own iCloud, not on our servers. FINEYO PRO Fineyo is free to start. Pro unlocks unlimited categories, budgets and accounts, iCloud sync, shared spaces, CSV export, Apple Pay logging, themes and app icons. Pro works with Family Sharing, so one subscription covers your family. Whether you're saving for a trip, building an emergency fund or just trying to stop overspending, Fineyo helps you build better money habits. Terms of Use https://fineyo.app/terms-of-use Privacy Policy https://fineyo.app/privacy-policy
Flow
This personal finance tracker allows you to manage your money with ease. It offers full control over your data and can function offline, with features like multiple accounts, currencies, and financial statistics.
- Multiple accounts
- Multiple currencies
- Full data control
- Offline functionality
- iCloud backup
- Financial statistics
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A free and open-source personal finance tracker app built with love. Flow offers full control over you data, and works fully offline*. Features: - Multiple accounts - Multiple currencies - Full control of your data - iCloud backup support - Simple and smooth UX - Statistics about your finance Please consider supporting Flow by leaving a review, suggesting ideas through Flow's GitHub issue tracker, contributing and more! * If you use multiple currencies, Flow needs an internet connection to fetch foreign currency exchange rates.
Screenshots
Verdict
The clearest difference is in-app purchases: Flow at none against Fineyo's 3. Flow also leads on review sentiment (95% vs 82%). Fineyo's advantage is update cadence (every 4 days vs every 2 weeks). On price, rating, ratings volume and ads 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
Both are free to download. Fineyo sells 3 in-app purchases, starting at $3.99 per month. Flow asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 5.0 for Fineyo against 5.0 for Flow. Both are backed by a comparable volume of ratings — 11 and 20 respectively. Written reviews are what separate them: 82% of Fineyo's written reviews are positive against 95% of Flow's.
Fineyo ships an update every 4 days, Flow every 2 weeks. The most recent releases landed on October 10, 2026 and October 12, 2026 respectively.
| Parameter | Fineyo | Flow |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (11 ratings) | 5.0 (20 ratings) |
| Positive reviews | 81.8% of reviews | 95.5% of reviews — better |
| Number of ratings | 11 | 20 — better |
| Update frequency | Every 4 days — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | Free — better |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 16.4 — better | 16.6 |
| Further details — not scored | ||
| Size | 105 MB | 80 MB |
| Age rating | 4+ | 4+ |
| Developer | Deniss Dubinins | Batmend Ganbaatar |
Customer experience
Fineyo
Flow
In-app purchases
Fineyo
- Monthly Premium3 Days trial$3.991 Month
- Annual Premium7 Days trial$24.991 Year
- Lifetime$34.99
Flow
No in-app purchases









