Comparison

Amigo AI vs Flow

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

Head to head
About

Amigo AI

An intelligent personal finance assistant that simplifies expense tracking, budgeting, and bill management. It uses AI to provide actionable insights, personalized guidance, and automated transaction logging.

Highlights
  • Automated transaction logging
  • Dynamic budgeting
  • Split expenses
  • Debt management
  • Bills management
  • Personalized financial guidance
  • Currency converter
Features
Read full description

Amigo AI is your intelligent personal finance assistant, designed to simplify financial management on iOS. Whether you're tracking transactions, creating budgets, managing bills, or seeking personalized advice, Amigo AI combines the power of AI with secure data handling to provide clear, actionable insights. Key Features: - Automated Transaction Logging: Syncs transactions and categorizes them automatically, so you don't have to worry about manual entry. - Dynamic Budgeting: Real-time budget adjustments based on spending patterns help you stay on track with your financial goals. - Split Expenses: Easily divide costs with friends, family, or roommates and track who owes what. - Debt Management: Monitor and manage your debts with smart repayment strategies and progress tracking. - Bills Management: Never miss a payment with automated bill tracking, reminders, and payment scheduling. - Currency Converter: Access real-time exchange rates and convert between currencies instantly for international transactions. - Smart Calculator: Built-in calculator with integrated currency conversion for quick financial calculations on the go. - Personalized Financial Guidance: Tailored advice on budgeting, spending, and investing supports your long-term financial health. - Privacy & Security: Your data is safely stored in iCloud using CloudKit, giving you full control and ensuring only you have access. - Customizable Experience: Amigo AI adapts to your unique needs, offering options to personalize with your own OpenAI key, tone, and more. PERFECT FOR: - Couples sharing household expenses and tracking joint budgets - Students managing limited budgets and splitting costs with roommates - Freelancers tracking business expenses and tax deductions - Travelers converting currencies and tracking international spending - Anyone seeking a Mint alternative with enhanced AI capabilities WHAT MAKES US DIFFERENT: Unlike traditional budget apps, Amigo AI learns your unique spending habits and provides proactive insights. Our AI assistant anticipates your needs, suggests savings opportunities, and helps you avoid overdrafts before they happen. LOVED BY OUR USERS: ***** "App for the AI era!! Voice Siri to add expenses enables lazy people like me to track easily" - Eesansiva ***** "The financial insights section is amazing, helped me track my expenses and keep watch" - Avnish S. ***** "Made a significant change in my expense tracking and helps me follow budget goals" - Nadz04 ***** "User friendly design and AI driven insights make tracking expenses a breeze" - Nikitarao NEW IN 2025: - Smart Debt Management - Track multiple debts with snowball & avalanche calculators - Advanced Bills Tracker - Never miss payments with intelligent reminders & auto-scheduling - Real-time Currency Converter - Live exchange rates for 150+ currencies - Financial Calculator Pro - Built-in currency conversion for instant international calculations - Gmail Receipt Scanner - Auto-import and categorize email receipts from any bank - Bank Statement Import - Upload CSV/PDF files for instant AI categorization - Expense Splitting - Divide costs with friends and track who owes what - Voice Commands - Add expenses hands-free with Siri integration Why Amigo AI? Founded by indie developer Tirupati Balan, Amigo AI was created to address the challenges of managing finances on iOS without SMS synchronization or manual logging. With an intuitive design and advanced machine learning, Amigo AI turns financial management into an effortless experience. Secure and Private Amigo AI prioritizes your privacy, ensuring compliance with GDPR standards, routine audits, and secure access through Apple's DeviceCheck API. From end-to-end encryption to customizable financial insights, your security is at the forefront of everything we do. For inquiries, reach out to Tirupati Balan at hello@amigo.finance. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

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.

Highlights
  • Multiple accounts
  • Multiple currencies
  • Full data control
  • Offline functionality
  • iCloud backup
  • Financial statistics
Read full description

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

Amigo AI4 screens
Flow4 screens

Verdict

The call

The clearest difference is price: Flow at Free against Amigo AI's $6.99. Flow also leads on review sentiment (95% vs 52%) and in-app purchases (none vs 3). Amigo AI's advantage is update cadence (every 4 days vs every 2 weeks). On 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

Flow is free to download; Amigo AI costs $6.99 up front. Amigo AI sells 3 in-app purchases, starting at $0.99 per month. Flow asks for nothing beyond the download.

UpkeepUpdate frequency

Amigo AI ships an update every 4 days, Flow every 2 weeks. The most recent releases landed on September 20, 2026 and September 21, 2026 respectively.

Scorecard5 real differences · 5 level
Amigo AI versus Flow: the parameters behind the verdict, then further details
ParameterAmigo AIFlow
Price$6.99Free — better
Rating5.0 (20 ratings) — better
Positive reviews51.5% of reviews95.5% of reviews — better
Number of ratings20 — better
Update frequencyEvery 4 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS17.616.6 — better
Further details — not scored
Size92 MB79 MB
Age rating4+4+
DeveloperTirupati BalanBatmend Ganbaatar

Customer experience

Amigo AI

Written reviews33 reviews
Positive51.5%
Neutral3.0%
Negative45.5%

Flow

All ratings20 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews22 reviews
Positive95.5%
Neutral0.0%
Negative4.5%

In-app purchases

3 purchases

Amigo AI

Subscriptions2
  • All Access14 Days trial$0.991 Month
  • All Access14 Days trial$9.991 Year
One-time1
  • Lifetime Free$24.99
None

Flow

No in-app purchases

Questions

Is Amigo AI free?
Amigo AI costs $6.99, and also offers in-app purchases.
Is Flow free?
Flow is free to download, with no in-app purchases.
Do Amigo AI or Flow have ads?
Neither Amigo AI nor Flow shows ads.
Which is updated more often, Amigo AI or Flow?
Amigo AI ships an update every 4 days, and Flow every 2 weeks. Most recently, Amigo AI was updated on September 20, 2026 and Flow on September 21, 2026.

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