Comparison

Flow vs Money Planner

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

Head to head
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.

About

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.

Highlights
  • Automatic transaction import
  • Customizable expense categories
  • Reimbursement tracking
  • Daily and monthly expense graphs
  • Bank account connection
  • Budget planning
Read full description

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

Flow4 screens
Money Planner4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Flow ships an update every 2 weeks, Money Planner weekly. Both last shipped on September 21, 2026.

Scorecard5 real differences · 5 level
Flow versus Money Planner: the parameters behind the verdict, then further details
ParameterFlowMoney Planner
PriceFreeFree
Rating5.0 (20 ratings) — better4.8 (30 ratings)
Positive reviews95.5% of reviews — better93.3% of reviews
Number of ratings2030 — better
Update frequencyEvery 2 weeksWeekly — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.613.0 — better
Further details — not scored
Size79 MB52 MB
Age rating4+4+
DeveloperBatmend GanbaatarJoren van den Berg

Customer experience

Flow

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

Money Planner

All ratings30 ratings
Positive93.3%
Neutral6.7%
Negative0.0%
Written reviews15 reviews
Positive93.3%
Neutral6.7%
Negative0.0%

In-app purchases

None

Flow

No in-app purchases

5 purchases

Money Planner

Subscriptions3
  • Monthly14 Days trial$2.991 Month
  • Halfyearly14 Days trial$12.996 Months
  • Yearly14 Days trial$24.991 Year
One-time2
  • Bank Connection Token - 90d$1.99
  • RainyDay Plus Lifetime2 variants$24.99

Questions

Is Flow free?
Flow is free to download, with no in-app purchases.
Is Money Planner free?
Money Planner is free to download, with in-app purchases available.
Which has better reviews, Flow or Money Planner?
Flow is rated higher. Flow averages 5.0 out of 5 from 20 ratings, while Money Planner averages 4.8 from 30 ratings.
Do Flow or Money Planner have ads?
Money Planner shows ads; Flow does not.
Which is updated more often, Flow or Money Planner?
Flow ships an update every 2 weeks, and Money Planner weekly. Most recently, Flow was updated on September 21, 2026 and Money Planner on September 21, 2026.

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