Comparison

Spending Tracker vs Flow

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

Head to head
About

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.

Highlights
  • Track expenses and income
  • Create unlimited budgets
  • Set financial goals
  • Analyze spending patterns
  • Manage multiple accounts
  • Split bills with friends
  • Privacy-first data storage
Features
Read full description

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!

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

Spending Tracker4 screens
Flow4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 14, 2026 and October 12, 2026 respectively.

Scorecard3 real differences · 7 level
Spending Tracker versus Flow: the parameters behind the verdict, then further details
ParameterSpending TrackerFlow
PriceFreeFree
Rating5.0 (7 ratings)5.0 (20 ratings)
Positive reviews79.3% of reviews95.5% of reviews — better
Number of ratings720 — better
Update frequencyEvery 2 weeksEvery 2 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.616.6 — better
Further details — not scored
Size127 MB80 MB
Age rating4+4+
DeveloperHemanth SavaralaBatmend Ganbaatar

Customer experience

Spending Tracker

All ratings7 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews29 reviews
Positive79.3%
Neutral6.9%
Negative13.8%

Flow

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

In-app purchases

11 purchases

Spending Tracker

Subscriptions8
  • Monthly Premium Access$0.491 Month
  • Premium Monthly Plan$0.991 Month
  • Weekly Subscription$0.997 Days
Show 5 more
  • 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
One-time3
  • Lifetime Access$4.99
  • Lifetime Access$6.99
  • Paisa Premium Lifetime Access$24.99
None

Flow

No in-app purchases

Questions

Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Is Flow free?
Flow is free to download, with no in-app purchases.
Which has better reviews, Spending Tracker or Flow?
Spending Tracker and Flow are both rated 5.0 out of 5 on the App Store, from 7 and 20 ratings respectively.
Do Spending Tracker or Flow have ads?
Neither Spending Tracker nor Flow shows ads.
Which is updated more often, Spending Tracker or Flow?
Spending Tracker ships an update every 2 weeks, and Flow every 2 weeks. Most recently, Spending Tracker was updated on October 14, 2026 and Flow on October 12, 2026.

Other comparisons