Comparison

Moma vs Budgeting | Flow

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

Head to head
About

Moma

Track expenses and income across multiple currencies with this powerful financial tool. Monitor spending habits, set budgets, and gain insights with visual charts. Supports multiple accounts and detailed sub-categories for comprehensive financial awareness.

Highlights
  • Multi-currency support
  • Customizable exchange rates
  • Monthly budgeting
  • Multiple account support
  • Detailed sub-categories
  • Visual expense/income charts
  • Dark Mode
Features
Read full description

Introducing Moma Money Tracker - a powerful multi-currency expense & income tracking tool that helps you be aware of your financial situation in different places. This app is the perfect solution to easily monitor your spending habits and improve your financial well-being. --FEATURES-- - Support multiple currencies in the app, no matter where you spend your money, Moma can help you track it. - Customized exchange rate if you do not like what we provide. - Set a monthly budget to better control your expenses. - Special visual design for users who color blindness problem - Dark Mode - Beautiful and powerful pie chart to easily help you monitor the expense and income - Support multiple accounts so that you can create credit card or debit card account in the app - Plenty of sub-categories so that you can track as detailed as you can in daily life - Write the comment if you have new idea or suggestion for us in the app Contact us at duftee.sg@gmail.com if you have any question

About

Budgeting | Flow

Features
Read full description

Flow - Smart Personal Finance Manager Flow is a powerful yet intuitive personal finance management app that helps you effortlessly track income and expenses, manage multiple accounts, and gain deep insights into your financial health through rich visualizations and comprehensive reports. Key Features Smart Calculations Built-in math expression calculator - enter formulas directly in amount fields (e.g., 100+50*2) Multi-Account Management Manage multiple accounts across different currencies simultaneously Rich Category System - Built-in transaction types including income, expenses, transfers, and more - 16 beautiful color themes paired with delightful icons - Smart accounts receivable management and settlement tracking In-Depth Analytics Finance Overview - Daily, monthly, and yearly financial summaries at a glance - Beautiful bar charts displaying income, expenses, and net balance - Real-time calculation of your financial health status Category Analysis - Intuitive pie charts showing expense distribution by category - Detailed category amount statistics with smart sorting - Multi-timeframe deep analysis capabilities Net Worth Tracking - Comprehensive asset and liability overview - Multi-currency net worth statistics - Long-term financial trend monitoring Convenient Features Transfer Management - Cross-account transfers with automatic record linking - Support for separate transfer fee recording - Smart grouping of related transactions Calendar View - Monthly calendar interface for intuitive transaction browsing - Quick date selection and navigation - Simple month-to-month switching Personalization Freely enable or disable various report types Perfect For - Users who need precise personal finance tracking - Individuals managing multiple bank accounts - Finance enthusiasts seeking deep spending habit analysis - Personal or small business owners requiring receivables management - Users pursuing clean and efficient financial management experience Download Flow now and start your smart financial management journey! Terms of Use: www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: flow.bitloom.io/privacy-policy/

Screenshots

Moma4 screens
Budgeting | Flow4 screens

Verdict

The call

The clearest difference is update cadence: Budgeting | Flow at weekly against Moma's every 5 weeks. Moma's advantage is iOS requirement (14.0 vs 26.0). On price, ads, in-app purchases and device support there is nothing between them.

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

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Moma sells 2 in-app purchases, starting at $0.99 per month and Budgeting | Flow sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Moma ships an update every 5 weeks, Budgeting | Flow weekly. The most recent releases landed on September 10, 2026 and September 12, 2026 respectively.

Scorecard2 real differences ยท 6 level
Moma versus Budgeting | Flow: the parameters behind the verdict, then further details
ParameterMomaBudgeting | Flow
PriceFreeFree
Positive reviews100.0% of reviewsโ€”
Update frequencyEvery 5 weeksWeekly โ€” better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumโ€”
DevicesiPhone, iPod โ€” betteriPhone
Requires iOS14.0 โ€” better26.0
Further details โ€” not scored
Size37 MB4 MB
Age rating4+4+
DeveloperDuftee LLP, SinagporeJia-Han Wu

In-app purchases

2 purchases

Moma

Subscriptions2
  • Monthly VIP$0.991 Month
  • Annually VIP$5.991 Year
2 purchases

Budgeting | Flow

Subscriptions2
  • Flow Premium (1 Month)$3.991 Month
  • Flow Premium (1 Year)7 Days trial$19.991 Year

Questions

Is Moma free?
Moma is free to download, with in-app purchases available.
Is Budgeting | Flow free?
Budgeting | Flow is free to download, with in-app purchases available.
Do Moma or Budgeting | Flow have ads?
Neither Moma nor Budgeting | Flow shows ads.
Which is updated more often, Moma or Budgeting | Flow?
Moma ships an update every 5 weeks, and Budgeting | Flow weekly. Most recently, Moma was updated on September 10, 2026 and Budgeting | Flow on September 12, 2026.

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