Comparison

Flow vs Chipp

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

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.

Highlights
  • 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
Features
Read full description

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

Flow4 screens
Chipp4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Flow ships an update every 2 weeks, Chipp fortnightly. The most recent releases landed on September 21, 2026 and June 11, 2026 respectively.

Scorecard3 real differences · 7 level
Flow versus Chipp: the parameters behind the verdict, then further details
ParameterFlowChipp
PriceFreeFree
Rating5.0 (20 ratings) — better4.4 (16 ratings)
Positive reviews95.5% of reviews — better77.8% of reviews
Number of ratings20 — better16
Update frequencyEvery 2 weeks — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.613.0 — better
Further details — not scored
Size79 MB116 MB
Age rating4+4+
DeveloperBatmend GanbaatarChipp LLC

Customer experience

Flow

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

Chipp

All ratings16 ratings
Positive87.5%
Neutral0.0%
Negative12.5%
Written reviews9 reviews
Positive77.8%
Neutral0.0%
Negative22.2%

In-app purchases

None

Flow

No in-app purchases

None

Chipp

No in-app purchases

Questions

Is Flow free?
Flow is free to download, with no in-app purchases.
Is Chipp free?
Chipp is free to download, with no in-app purchases.
Which has better reviews, Flow or Chipp?
Flow is rated higher. Flow averages 5.0 out of 5 from 20 ratings, while Chipp averages 4.4 from 16 ratings.
Do Flow or Chipp have ads?
Neither Flow nor Chipp shows ads.
Which is updated more often, Flow or Chipp?
Flow ships an update every 2 weeks, and Chipp fortnightly. Most recently, Flow was updated on September 21, 2026 and Chipp on June 11, 2026.

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