# Flow vs Chipp

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.

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.

## The numbers

| Metric | Flow | Chipp |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (20 ratings)](https://appshunter.io/ios/app/flow-expense-tracker/id6477741670/reviews)** | [4.4 (16 ratings)](https://appshunter.io/ios/app/chipp/id6636520980/reviews) |
| Number of ratings | **20** | 16 |
| Positive reviews | **95.5% of reviews** | 77.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Fortnightly |
| Monetization | Free | Free |
| Size | 79 MB | 116 MB |
| Requires iOS | 16.6 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Batmend Ganbaatar](https://appshunter.io/developer/1730209215) | [Chipp LLC](https://appshunter.io/developer/1762962073) |

## 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


### Chipp

[App page](https://appshunter.io/ios/app/chipp/id6636520980)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


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