Flow vs Money Planner
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
Money Planner
This app helps you manage your money and finances by tracking expenses and planning budgets. It automatically imports transactions from your bank and allows for custom categorization and detailed insights into your spending habits.
- Automatic transaction import
- Customizable expense categories
- Reimbursement tracking
- Daily and monthly expense graphs
- Bank account connection
- Budget planning
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Do you want to track your expenses and plan your budget? RainyDay is the budget planner for you, and helps you to save for a rainy day! RainyDay is a spending and expense tracker, which allows you to manage your money and finances efficiently. With RainyDay, your transactions are imported automatically, to reduce the effort it takes to create a budget and gather detailed insights into your financial situation and analyze your income and spending behaviour. Start by connecting your bank account. You can specify how far back you allow us to look to import your transactions, so you have full control! We currently support 1000+ banks in 20 countries, including ABN Amro, Rabobank, Banco Santander, HSBC, ING, and many more. If we do not support your specific bank, send us an email at support@apprainyday.com and we will try to add your bank to our list. Categories After connecting your bank account, your transactions will be retrieved. You can now start categorizing your transactions. There is a list of default categorizations, but you can customise these in any way you want, and even delete them. Of course, you can also create new categories. You can assign a transaction to one category, or to multiple categories to split the transaction. These categories help you to plan your budget exactly how you want, helping you save money. Reimbursements Have you paid for tickets for the whole group, or paid the bill for a dinner with your friends, and do they want to pay you back? RainyDay has got you covered. To obtain even more detail in your budget and financial situation, you can mark income transactions as reimbursements for expenses, which will subtract the reimbursed amount from the expense in all reports and insights. This makes sure your RainyDay can give you an accurate overview of your budget and expenses, so you don't get surprised. Graphs RainyDay provides graphs which give you accurate insights into your daily and monthly expenses. The app keeps track of your daily expenses which it shows in a nice calendar, where you can see how much money you spent per day. You can also view your expenses per category/sub-category, where you can select whatever date range you want. We are continuously working on improving the app. If you run into an issue or have an amazing idea for a new feature, please send us an email at support@apprainyday.com and we will get back to you as soon as possible. The app provides a free tier, allowing you to use the app without any subscription. However, as we need to maintain the app, some features are locked behind a subscription. The available plans are as follows: - Monthly, €2,99 / month - Yearly, €29,99 / 12 months (save 17%) Want to try out the premium features? Both options include a 2 week free trial. Privacy Policy: https://storage.googleapis.com/rainyday-legal/privacy.html Terms of Service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: Flow at none against Money Planner's 6. Flow also leads on ads (none vs shown) and rating (5.0 vs 4.8). Money Planner's advantage is iOS requirement (13.0 vs 16.6). On price, review sentiment, 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. Money Planner sells 5 in-app purchases, starting at $2.99 per month. Flow asks for nothing beyond the download.
Flow holds the better App Store score, 5.0 against 4.8. Both are backed by a comparable volume of ratings — 20 and 30 respectively. Written reviews point the same way: 95% of Flow's written reviews are positive against 93% of Money Planner's.
Flow ships an update every 2 weeks, Money Planner weekly. Both last shipped on September 21, 2026.
| Parameter | Flow | Money Planner |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (20 ratings) — better | 4.8 (30 ratings) |
| Positive reviews | 95.5% of reviews — better | 93.3% of reviews |
| Number of ratings | 20 | 30 — better |
| Update frequency | Every 2 weeks | Weekly — better |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 79 MB | 52 MB |
| Age rating | 4+ | 4+ |
| Developer | Batmend Ganbaatar | Joren van den Berg |
Customer experience
Flow
Money Planner
In-app purchases
Flow
No in-app purchases
Money Planner
- Monthly14 Days trial$2.991 Month
- Halfyearly14 Days trial$12.996 Months
- Yearly14 Days trial$24.991 Year
- Bank Connection Token - 90d$1.99
- RainyDay Plus Lifetime2 variants$24.99









