Wavvy Wallet vs FlowWise
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
Wavvy Wallet
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Wavvy Wallet is an innovative expense tracker designed to guide you on your journey to financial freedom. Utilizing advanced AI models, Wavvy Wallet automatically tags and categorizes your MPesa transactions, providing clear insights into your spending habits. With Wavvy Wallet, you can effortlessly manage your finances, focus on your goals, and take confident steps toward a secure financial future. Wavvy Wallet Pro plans: Monthly: $1.99 Annual: $9.99 Payments and Renewal: - Payment will be charged to iTunes Account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. - Account will be charged for renewal within 24-hours prior to the end of the current period. - You can manage or turn off auto-renew in your Account settings at any time after purchase - No cancellation of the current subscription is allowed during the active period. Terms of Service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://wavvywallet.com/privacy-policy
FlowWise
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FlowWise turns your M-Pesa activity into a real budget โ without you typing a single transaction. HOW IT WORKS The moment an M-Pesa SMS arrives, FlowWise reads it, extracts the amount, merchant, and category, and logs it automatically. No manual entry, no spreadsheets โ just an accurate picture of your money as it happens. BUILT FOR HOW KENYANS ACTUALLY SPEND - M-Pesa auto-logging โ zero typing, every transaction captured the moment it lands - Budgets that work โ weekly, monthly, or yearly limits per category, with alerts before you overspend - AI financial coach โ ask anything about your money and get personalised advice powered by Claude - Debt tracker โ see what Fuliza, bank loans, and SACCOs actually cost you, and plan your payoff - Savings goals โ set targets and track progress toward what matters: rent, school fees, a phone, land - Bills calendar โ never miss rent or KPLC again - Group budgets โ split and track spending with your Chama, family, or roommates - Financial Health Score โ a single number that tells you where you stand and what to fix YOUR DATA, YOUR STORY All financial data is encrypted in transit and at rest. FlowWise never sells your information, and you're always in control of what gets tracked. Start free โ upgrade anytime for unlimited transactions, AI chats, and group budgets. Terms of Use (EULA): https://www.flowwise.co.ke/terms Privacy Policy: https://www.flowwise.co.ke/privacy
Screenshots
Verdict
The clearest difference is in-app purchases: Wavvy Wallet at none against FlowWise's 4. FlowWise's advantage is update cadence (fortnightly vs every 2 months). On price, ads, device support and iOS requirement there is nothing between them.
Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS
Both are free to download. FlowWise sells 4 in-app purchases, starting at $0.99 per month. Wavvy Wallet asks for nothing beyond the download.
Wavvy Wallet ships an update every 2 months, FlowWise fortnightly. The most recent releases landed on October 11, 2026 and October 10, 2026 respectively.
| Parameter | Wavvy Wallet | FlowWise |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 2 months | Fortnightly โ better |
| Ads | No | No |
| In-app purchases | No โ better | Yes |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 14.0 โ better | 15.1 |
| Further details โ not scored | ||
| Size | 100 MB | 42 MB |
| Age rating | 17+ | 4+ |
| Developer | Dennis Chivatsi | Wise Mutuku |
In-app purchases
Wavvy Wallet
No in-app purchases
FlowWise
- Premium - Monthly1 Month trial$0.991 Month
- Basic -Monthly1 Month trial$0.991 Month
- Basic - Yearly1 Year trial$11.991 Year
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- Premium - Yearly1 Year trial$14.991 Year








