Flow vs Wally
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.
Wally
Manage your finances by tracking income, expenses, and bills. Visualize spending habits with charts and get AI-powered budgeting advice. Keep all your financial accounts in one place without needing bank connections.
- Paycheck schedule setup
- All financial accounts in one place
- Bill due date scheduling
- Expense tracking and insights
- Income vs. expenses comparison
- AI budgeting assistance
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Wally keeps your budget on your phone. There's no bank login and nothing to sync. Tell it when you get paid and how much, and your balance moves on payday without you touching it. Add the accounts you actually use, checking or savings or cash, set the opening balance once, and Wally keeps it current as you log what you spend. Put your monthly bills in with their due dates and it reminds you before they land. Spending goes into categories you make yourself. Three questions and the category exists; the fiddly settings are there when you want them and out of the way when you don't. The charts show what came in against what went out, and how fast a budget is running down rather than only how much is left. Pay with your phone and Wally can pick the purchase up on its own, ready for you to check or already filed. If you share money with someone, a household budget puts the same categories in front of both of you. There's an assistant built in that reads your own numbers and answers questions about them: How much can I save this month? Where am I overspending? What should I cut first? You can lock the whole app behind Face ID. Wally speaks English, German, Spanish, French and Portuguese. Terms of Use: https://wallybudgeting.app/terms Privacy Policy: https://wallybudgeting.app/privacy
Screenshots
Verdict
The clearest difference is review sentiment: Flow at 95% against Wally's 45%. Flow also leads on in-app purchases (none vs 2) and rating (5.0 vs 4.8). 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. Wally sells 2 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 20 respectively. Written reviews point the same way: 95% of Flow's written reviews are positive against 45% of Wally's.
Flow ships an update every 2 weeks, Wally weekly. The most recent releases landed on September 21, 2026 and September 15, 2026 respectively.
| Parameter | Flow | Wally |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (20 ratings) — better | 4.8 (20 ratings) |
| Positive reviews | 95.5% of reviews — better | 45.5% of reviews |
| Number of ratings | 20 | 20 |
| Update frequency | Every 2 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | Free |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.6 | 16.1 — better |
| Further details — not scored | ||
| Size | 79 MB | 151 MB |
| Age rating | 4+ | 4+ |
| Developer | Batmend Ganbaatar | Salman Lartey |
Customer experience
Flow
Wally
In-app purchases
Flow
No in-app purchases
Wally
- All Access7 Days trial$2.991 Month
- All Access7 Days trial$24.991 Year








