# Flow vs Money Planner

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.

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.

## The numbers

| Metric | Flow | Money Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (20 ratings)](https://appshunter.io/ios/app/flow-expense-tracker/id6477741670/reviews)** | [4.8 (30 ratings)](https://appshunter.io/ios/app/money-planner-rainyday/id6478460400/reviews) |
| Number of ratings | 20 | **30** |
| Positive reviews | **95.5% of reviews** | 93.3% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | **Free** | Freemium |
| Size | 79 MB | 52 MB |
| Requires iOS | 16.6 | **13.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Batmend Ganbaatar](https://appshunter.io/developer/1730209215) | [Joren van den Berg](https://appshunter.io/developer/1732912534) |

## What reviewers say

### Flow

[App page](https://appshunter.io/ios/app/flow-expense-tracker/id6477741670)

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

**In-app purchases:** none


### Money Planner

[App page](https://appshunter.io/ios/app/money-planner-rainyday/id6478460400)

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

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $2.99 | per month |
| Halfyearly | $12.99 | per 6 months |
| Yearly | $24.99 | per year |
| Bank Connection Token - 90d | $1.99 | one-time |
| RainyDay Plus Lifetime | $24.99 | one-time |


## Frequently asked 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.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*