Flow vs Chipp
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.
Chipp
Effortlessly track, split, and settle group expenses with a lightning-fast interface. Manage shared living costs, travel bills, and dinner receipts with ease. Settle up instantly with friends, all within one convenient app.
- Tap-to-split interface
- Find friends nearby
- Create shared expense groups
- Split rent and utilities
- Manage travel expenses
- Scan receipts for dinner bills
- Handle partial splits
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Chipp is a lightning-fast way to split and settle group expenses effortlessly. With its unique tap-to-split interface and the ability to find friends nearby, settling share expenses is effortless. Whether you're splitting rent, dining out, or managing small purchases with friends, track what’s owed, see who owes whom, and pay back instantly—all with just one swipe. GROUP EXPENSE APP MADE SIMPLE Create and manage shared expense groups for any situation—whether it's a weekend getaway, a shared apartment, or a birthday dinner. Easily track bills and expenses and settle up in real time, all in one place. SPLIT RENT WITH ROOMMATES Avoid awkward convos about utilities, Wi-Fi, or groceries. Chipp makes it easy to manage recurring rent splits and shared living costs with roommates, so everyone pays their fair share—no chasing needed. TRAVEL EXPENSE SHARING FOR FRIEND GROUPS Plan your next group trip without worrying about the money. Chipp lets you log expenses as you go and settle everything up with one swipe at the end of the vacation. No more spreadsheets or payment confusion. DINNER BILL SPLITTING WITHOUT THE MATH Out to eat with a group? Scan the receipt, split items or total evenly or unequally, and settle instantly. No more guesswork, mental math, or awkward waiting for your friends to pay you back. SHARED SUBSCRIPTION EXPENSE MANAGER Easily track and divide monthly charges for shared subscriptions like Netflix, Spotify, YouTube Premium, or HBO. Chipp helps keep shared entertainment budgets clean and clear. HANDLE PARTIAL SPLITS IN GROUP EXPENSES Custom-split every expense based on who paid and who participated. You can split by percentage, share, or amount—ideal for when one friend joins late or skips a round.
Screenshots
Verdict
The clearest difference is rating: Flow at 5.0 against Chipp's 4.4. Flow also leads on review sentiment (95% vs 78%). Chipp's advantage is iOS requirement (13.0 vs 16.6). On price, ratings volume, update cadence and ads 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. Neither carries in-app purchases, so what you see is what you pay.
Flow holds the better App Store score, 5.0 against 4.4. Both are backed by a comparable volume of ratings — 20 and 16 respectively. Written reviews point the same way: 95% of Flow's written reviews are positive against 78% of Chipp's.
Flow ships an update every 2 weeks, Chipp fortnightly. The most recent releases landed on September 21, 2026 and June 11, 2026 respectively.
| Parameter | Flow | Chipp |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (20 ratings) — better | 4.4 (16 ratings) |
| Positive reviews | 95.5% of reviews — better | 77.8% of reviews |
| Number of ratings | 20 — better | 16 |
| Update frequency | Every 2 weeks — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 79 MB | 116 MB |
| Age rating | 4+ | 4+ |
| Developer | Batmend Ganbaatar | Chipp LLC |
Customer experience
Flow
Chipp
In-app purchases
Flow
No in-app purchases
Chipp
No in-app purchases









