Spending Tracker vs Flow
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spending Tracker
This app helps you manage your money by tracking expenses and income, setting budgets, and achieving savings goals. It offers insights into spending patterns and supports multiple accounts, all with a focus on privacy and a user-friendly interface.
- Track expenses and income
- Create unlimited budgets
- Set financial goals
- Analyze spending patterns
- Manage multiple accounts
- Split bills with friends
- Privacy-first data storage
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Take control of your finances with Paisa - the beautiful, privacy-first expense tracker that puts you in charge of your money. **TRACK EVERY TRANSACTION** • Add expenses and income in seconds with our intuitive interface • Categorize transactions with custom categories and colorful icons • Support for multiple accounts: bank, cash, credit cards, and wallets • Built-in calculator for quick expense entry • Smart suggestions based on your spending history **STAY WITHIN BUDGET** • Create unlimited budgets for different spending categories • Visual progress bars show exactly where you stand • Get notified when approaching budget limits • Monthly, weekly, and custom budget periods • Compare actual spending vs. planned budgets **REACH YOUR SAVINGS GOALS** • Set financial goals with target amounts and deadlines • Track progress with beautiful visual indicators • Link goals to specific savings accounts • Celebrate milestones as you get closer to your dreams **SMART INSIGHTS & REPORTS** • Understand your spending patterns with detailed charts • Category breakdown shows where your money goes • Trend analysis reveals spending habits over time • Period comparison to track improvement • Export reports to PDF and CSV **ALL ACCOUNTS IN ONE PLACE** • Manage bank accounts, cash, credit cards, and e-wallets • See your total net worth at a glance • Track transfers between accounts • Support for multiple currencies **MAKE FINANCE FUN** • Earn achievement badges for healthy money habits • Build streaks for consistent tracking • Celebrate financial milestones • Gamification keeps you motivated **SPLIT BILLS WITH FRIENDS** • Easily divide expenses among groups • Track who owes what • Mark payments as settled • Perfect for trips, dinners, and shared expenses **PRIVACY FIRST** • All data stored locally on your device • No account required to get started • Optional Google Drive backup for peace of mind • Biometric authentication to protect your data • Your financial data is never shared or sold **BEAUTIFUL & CUSTOMIZABLE** • Material Design 3 with dynamic colors • Light and dark themes • Multiple accent color options • Clean, distraction-free interface **AVAILABLE IN 35+ LANGUAGES** Including English, Spanish, French, German, Portuguese, Italian, Dutch, Russian, Chinese, Japanese, Korean, Arabic, Hindi, and many more. **FREE FEATURES** • Unlimited transactions • Custom categories • Multiple accounts • Basic budgets and goals • Search and filters • CSV export • Biometric security **PREMIUM FEATURES** • Unlimited budgets and goals • Advanced analytics and insights • Achievement system • Cloud backup • Bill splitting • Premium themes • Priority support Privacy Policy: https://paisa-tracker.app/privacy Terms of Use: https://paisa-tracker.app/terms Download Paisa today and start your journey to financial freedom!
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 Spending Tracker's 11. Flow also leads on review sentiment (95% vs 79%). On price, rating, ratings volume and update cadence 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. Spending Tracker sells 11 in-app purchases, starting at $0.49 per month. Flow asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 5.0 for Spending Tracker against 5.0 for Flow. Both are backed by a comparable volume of ratings — 7 and 20 respectively. Written reviews are what separate them: 79% of Spending Tracker's written reviews are positive against 95% of Flow's.
Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 14, 2026 and October 12, 2026 respectively.
| Parameter | Spending Tracker | Flow |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (7 ratings) | 5.0 (20 ratings) |
| Positive reviews | 79.3% of reviews | 95.5% of reviews — better |
| Number of ratings | 7 | 20 — better |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | Free — better |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 17.6 | 16.6 — better |
| Further details — not scored | ||
| Size | 127 MB | 80 MB |
| Age rating | 4+ | 4+ |
| Developer | Hemanth Savarala | Batmend Ganbaatar |
Customer experience
Spending Tracker
Flow
In-app purchases
Spending Tracker
- Monthly Premium Access$0.491 Month
- Premium Monthly Plan$0.991 Month
- Weekly Subscription$0.997 Days
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- Yearly Premium Access$1.591 Year
- Monthly Premium Access$1.991 Month
- Premium Yearly Plan$4.991 Year
- Yearly Subscription1 Year trial$8.991 Year
- Yearly Premium Access$12.991 Year
- Lifetime Access$4.99
- Lifetime Access$6.99
- Paisa Premium Lifetime Access$24.99
Flow
No in-app purchases








