Comparison

Flow Budget, Money Tracker vs Flow

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Flow Budget, Money Tracker

Effortlessly track income and expenses with a household ledger. Set budgets, manage recurring transactions automatically, and view financial summaries and trends. Data syncs seamlessly across devices via iCloud.

Highlights
  • Income and expense tracking
  • Budget setting
  • Automatic recurring transactions
  • Summary and trend analysis
  • iCloud data sync
  • Smart AI entry assistance
Features
Read full description

Track your income and expenses at a glance with the household ledger. Easily enter income and expenses, and set your budget. Recurring income and expenses are automatically added with a single setup. Easy income and expense tracking • You can quickly write your ledger as soon as you open the app. • Register more easily with smart AI features. • Manage recurring or fixed income and expenses with the repeat feature. They will be automatically added on the set date. Summary and trends • View your income, expenses, and assets at a glance based on your records. • Easily compare income and expenses by category. • Check monthly trends in your income and expenses. Data management • No need for separate backups — your data is automatically saved with iCloud sync. • Even if you delete and reinstall the app, your data will be restored seamlessly. • Real-time sync across iPhone, iPad, and Mac. This app complies with Apple’s standard EULA. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Flow

Features
Read full description

Why is tracking expenses so tedious? Pick a category, type the amount, change the date... What if you could do it all in one line? One Line is All You Need "Lunch pasta 45" "Yesterday taxi 8" "Coffee 4.5 lunch 12 taxi 8" Just type naturally. AI automatically separates amounts, dates, and categories. Multiple items? One line handles them all. On-Device AI Does the Work • Auto-categorization powered by CoreML • Automatic detection of recurring bills (rent, subscriptions) • Personalized financial advice based on your data • Kind mode or Tough Love mode — your choice • Everything runs on your device — your data never leaves Insights at a Glance • Total income / expenses / net worth change • Monthly averages: income, expenses, savings rate • Trend charts: 3M / 6M / 1Y / All time • Treemap visualization of spending by category Smart Budget Management • Set overall or per-category budgets • Auto-calculated daily spending limit based on remaining days • Visual budget usage tracking • AI advice tailored to your budget status Automatic Recurring Expenses • Type "Rent 800" and it detects the pattern • Weekly / Monthly / Yearly cycles • Auto-generated on app launch — never miss a bill Beautiful Design • Glassmorphism card UI • Purple mesh gradient backgrounds • Light / Dark / System modes • Spring animations + haptic feedback Privacy First • All data stored on-device only • AI analysis runs locally • No servers, no accounts • Your financial data is yours alone Consistency is everything in budgeting. Flow makes consistency effortless. Start today.

Screenshots

Flow Budget, Money Tracker4 screens
Flow4 screens

Verdict

The call

The clearest difference is price: Flow Budget, Money Tracker at Free against Flow's $2.99. Flow Budget, Money Tracker also leads on update cadence (daily vs every 3 days) and device support (3 vs 1). Flow's advantage is in-app purchases (none vs 6) and iOS requirement (17.0 vs 26.0). On 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

Flow Budget, Money Tracker is free to download; Flow costs $2.99 up front. Flow Budget, Money Tracker sells 6 in-app purchases, starting at $1.99 per month. Flow asks for nothing beyond the download.

UpkeepUpdate frequency

Flow Budget, Money Tracker ships an update daily, Flow every 3 days. Both last shipped on November 5, 2026.

Scorecard5 real differences · 5 level
Flow Budget, Money Tracker versus Flow: the parameters behind the verdict, then further details
ParameterFlow Budget, Money TrackerFlow
PriceFree — better$2.99
Rating4.5 (16 ratings) — better—
Positive reviews93.2% of reviews—
Number of ratings16 — better—
Update frequencyDaily — betterEvery 3 days
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPad, Mac — betteriPhone
Requires iOS26.017.0 — better
Further details — not scored
Size114 MB7 MB
Age rating4+4+
DeveloperPlum Co.Haeseong Jung

In-app purchases

6 purchases

Flow Budget, Money Tracker

Subscriptions6
  • Flow Plus Monthly$1.991 Month
  • Flow+ Monthly$1.991 Month
  • Flow Pro Monthly$4.991 Month
Show 3 more
  • Flow Plus Yearly$11.991 Year
  • Flow+ Yearly$12.991 Year
  • Flow Pro Yearly$29.991 Year
None

Flow

No in-app purchases

Questions

Is Flow Budget, Money Tracker free?
Flow Budget, Money Tracker is free to download, with in-app purchases available.
Is Flow free?
Flow costs $2.99, with no in-app purchases.
Do Flow Budget, Money Tracker or Flow have ads?
Neither Flow Budget, Money Tracker nor Flow shows ads.
Which is updated more often, Flow Budget, Money Tracker or Flow?
Flow Budget, Money Tracker ships an update daily, and Flow every 3 days. Most recently, Flow Budget, Money Tracker was updated on November 5, 2026 and Flow on November 5, 2026.

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