Comparison

budgi vs SmartFlow+

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

Head to head
About

budgi

This app uses AI and Open Finance to automatically sync your bank accounts and cards for personalized financial management. Get insights, tips, and strategies from your AI assistant to save more and understand spending habits.

Highlights
  • AI-powered financial insights
  • Automatic bank account syncing
  • Personalized budgeting tools
  • Spending habit analysis
  • Payment reminders and alerts
  • Multi-currency support
Features
Read full description

It’s time to revolutionize how you manage your money. budgi combines artificial intelligence with Open Finance connectivity to bring you a modern, practical, and personalized financial management experience. Your bank accounts and cards sync automatically, keeping everything organized in real time—no more manual entries. Everything you need, all in one place. But what truly makes budgi shine is Buddy, your personal AI. Buddy isn’t just a financial assistant—it’s the partner you’ve always needed to save more, hit your goals, and understand your spending habits. Need advice? Buddy is ready with insights, practical tips, and strategies to optimize your finances. It’s like having a financial consultant in your pocket, always there for you. With budgi, managing your finances has never been easier or smarter. Every feature is designed to simplify your life, from customizable categories and budgets to automatic payment reminders and spending alerts. It even supports multiple currencies and real-time conversions because your money should go as far as you do. Available on mobile and web, budgi goes wherever you are, keeping your finances under control. Say goodbye to boring spreadsheets. Download budgi now and discover the simplest, smartest, and most fun way to manage your money. Your financial future starts here! Terms of Use: https://www.budgi.it/terms Privacy Policy: https://www.budgi.it/privacy

About

SmartFlow+

Features
Read full description

Smart Flow+ is an intelligent personal finance app designed to help you organize your income and expenses in a simple, practical, and modern way. With it, you can track your financial flow, understand where your money is going, and make more conscious decisions about your spending — all in one place. Record transactions via WhatsApp using AI One of Smart Flow+’s biggest advantages is its integration with WhatsApp. You can automatically record income and expenses by sending a text or voice message, such as: “Grocery expense in the amount of 55.50” The system interprets your message with the help of Artificial Intelligence and automatically creates the transaction for you, saving time in your daily routine. Ideal for recording expenses as they happen — at the supermarket, during transportation, or in any everyday situation. Complete and intuitive dashboard Intelligent recurring system powered by AI Create personalized rules for recurring transactions by defining frequency, intervals, and dates. The app automatically manages these entries and notifies you in advance when a transaction is about to occur, helping you plan ahead and keep everything organized. Visualize your finances clearly with charts and indicators that show: Monthly balance Total income and expenses Cash flow Financial results Income and expenses by category Statements and projections Everything is presented in a simple way, making it easy to understand even if you have no prior experience with financial control. Category organization Create and customize Income and Expense categories to better organize your records and understand your main spending patterns. Multi-language support Smart Flow+ is multilingual and can be used in: Portuguese English Spanish You choose your preferred language directly in the app. Simple, secure, and practical Modern and easy-to-use interface Financial control at your own pace Ideal for personal use All your data organized in one place Who is Smart Flow+ for People who want to better organize their finances Those looking for practical expense control Users who want to quickly record expenses Anyone who wants to better understand their monthly cash flow Smart Flow+ was created to make financial control simpler, smarter, and more accessible, using technology to make your life easier. Start now and gain more clarity over your finances.

Screenshots

budgi4 screens
SmartFlow+4 screens

Verdict

The call

The clearest difference is in-app purchases: SmartFlow+ at none against budgi's 12. SmartFlow+ also leads on update cadence (every 10 days vs every 5 weeks). On price, ads, device support 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. budgi sells 12 in-app purchases, starting at $1.99 per month. SmartFlow+ asks for nothing beyond the download.

UpkeepUpdate frequency

budgi ships an update every 5 weeks, SmartFlow+ every 10 days. Both last shipped on October 30, 2026.

Scorecard2 real differences · 8 level
budgi versus SmartFlow+: the parameters behind the verdict, then further details
ParameterbudgiSmartFlow+
PriceFreeFree
Rating4.8 (5 ratings) — better—
Positive reviews45.8% of reviews—
Number of ratings5 — better—
Update frequencyEvery 5 weeksEvery 10 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size93 MB24 MB
Age rating+44+
DeveloperBrandow Buenos Aires MadeiraMARIO SERGIO SIERRA DELFINO

In-app purchases

12 purchases

budgi

Subscriptions12
  • budgi Plus (Monthly)$1.991 Month
  • budgi Plus (Partners Monthly)$1.991 Month
  • budgi Pro (Partners Monthly)$2.991 Month
Show 9 more
  • budgi Pro (Monthly)$3.991 Month
  • budgi Business (Partners Monthly)$5.991 Month
  • budgi Business (Monthly)$7.991 Month
  • budgi Plus (Yearly)7 Days trial$14.991 Year
  • budgi Plus (Partners Yearly)$14.991 Year
  • budgi Pro (Partners Yearly)$22.991 Year
  • budgi Pro (Yearly)7 Days trial$29.991 Year
  • budgi Business (Partners Yearly)$49.991 Year
  • budgi Business (Yearly)$59.991 Year
None

SmartFlow+

No in-app purchases

Questions

Is budgi free?
budgi is free to download, with in-app purchases available.
Is SmartFlow+ free?
SmartFlow+ is free to download, with no in-app purchases.
Do budgi or SmartFlow+ have ads?
Neither budgi nor SmartFlow+ shows ads.
Which is updated more often, budgi or SmartFlow+?
budgi ships an update every 5 weeks, and SmartFlow+ every 10 days. Most recently, budgi was updated on October 30, 2026 and SmartFlow+ on October 30, 2026.

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