Flow vs Money Trace Book
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.
Money Trace Book
This app prioritizes privacy by allowing you to record expenses and income locally using voice or on-device AI. Your financial data remains on your device, with an optional offline AI model for enhanced categorization. Manual bookkeeping is also supported.
- Privacy-first design
- Local expense and income recording
- On-device AI for categorization
- Optional offline AI model
- Manual bookkeeping support
- No account required
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Money Trace Book is built for privacy first. Record expenses & income with local voice and on-device AI — no account and your data stays on your device. Download an optional offline AI model for smarter categorization; your notes are never uploaded. Manual bookkeeping works even without the model.
Screenshots
Verdict
The clearest difference is price: Flow at Free against Money Trace Book's $1.99. Flow also leads on ratings volume (20 vs 1) and iOS requirement (16.6 vs 26.0). On rating, update cadence, ads and in-app purchases 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
Flow is free to download; Money Trace Book costs $1.99 up front. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 5.0 for Flow against 5.0 for Money Trace Book. That said, the two scores are not equally well evidenced: Flow has 20 ratings behind it against 1, so its average is the more settled of the two.
Flow ships an update every 2 weeks, Money Trace Book fortnightly. The most recent releases landed on October 24, 2026 and October 8, 2026 respectively.
| Parameter | Flow | Money Trace Book |
|---|---|---|
| Price | Free — better | $1.99 |
| Rating | 5.0 (20 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 95.5% of reviews | — |
| Number of ratings | 20 — better | 1 |
| Update frequency | Every 2 weeks — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Paid |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.6 — better | 26.0 |
| Further details — not scored | ||
| Size | 80 MB | 17 MB |
| Age rating | 4+ | 4+ |
| Developer | Batmend Ganbaatar | 章 苗 |
Customer experience
Flow
Money Trace Book
In-app purchases
Flow
No in-app purchases
Money Trace Book
No in-app purchases
