SpendLimit vs ATM Flow
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
SpendLimit
Manage your finances offline with this expense tracker. It uses AI-powered OCR to scan receipts, automatically extracting details like amounts and categories. Set budget limits and monitor spending trends without needing an internet connection.
- Offline expense tracking
- AI-powered OCR receipt scanning
- Smart budget setting and monitoring
- Spending summaries and trends
- No sign-up required
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Take control of your budget with SpendLimit, a privacy-first spending tracker that helps you stay on top of expenses. Snap a receipt and smart scanning helps extract the details, or add spending manually. Why Choose SpendLimit? 1. Privacy-First Records - Your budgets and transactions are stored locally on your device. 2. Smart Receipt Scanning - Detect amounts, dates, merchants, and categories. 3. Budget Tracking - Set limits and monitor your spending. 4. Optional AI Assistance - Get smarter receipt extraction and spending insights when enabled. 5. No Sign-Up Required - Just install and start tracking. Core expense tracking works offline. Optional AI features require internet access and process the content needed to provide the requested result. Terms of service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
ATM Flow
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ATM Flow is a manual budgeting app built for people who want full control over their finances ā and their data. Unlike apps that scrape your bank feeds or require logins, ATM Flow keeps everything in your hands. You enter each transaction yourself, building mindful spending habits. Your data lives on your device and in your personal iCloud account. We never see it. WHAT MAKES ATM FLOW DIFFERENT ⢠Fully bilingual ā native Arabic and English with full RTL support and Arabic-Indic numerals ⢠Zero data collection ā no analytics, no tracking, no accounts to create. Your financial data stays yours. ⢠iCloud sync across all your devices ā encrypted by Apple, invisible to us ⢠Built for the Gulf ā QAR, SAR, AED, KWD, BHD, OMR as first-class currencies alongside USD, EUR, GBP, and 7 more FEATURES ⢠Dashboard with net worth, monthly spending breakdown, 30-day chart, budget progress, upcoming bills, and goals snapshot ⢠Custom categories with emoji icons ā organize expenses your way ⢠Budgets per category or overall, with daily/weekly/monthly/yearly periods ⢠Financial goals with progress tracking ⢠Recurring transactions that auto-post bills and subscriptions ⢠Reports with income vs. expense, daily trends, and monthly comparisons ⢠Import transactions from bank statements (CSV, Excel, or PDF) with automatic duplicate flagging; export to JSON or CSV ⢠Dark mode and light mode with customizable accent colors ⢠Face ID / Touch ID app lock ⢠Daily reminder notifications ⢠Widget showing monthly spending at a glance PRIVACY ATM Flow collects zero data. No analytics frameworks. No servers. No tracking pixels. Your transactions are stored locally on your device and synced through your personal iCloud account using Apple's CloudKit. We cannot access, read, or process your financial information. Period. Free forever. No subscriptions. No in-app purchases. No ads. Built by Approve The Move ā genuinely useful apps, always free.
Screenshots
Verdict
The clearest difference is in-app purchases: ATM Flow at none against SpendLimit's 4. SpendLimit's advantage is update cadence (every 11 days vs every 2 months). On price, ads, device support and iOS requirement there is nothing between them.
Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS
Both are free to download. SpendLimit sells 2 in-app purchases, starting at $4.99 per month. ATM Flow asks for nothing beyond the download.
SpendLimit ships an update every 11 days, ATM Flow every 2 months. The most recent releases landed on October 5, 2026 and October 12, 2026 respectively.
| Parameter | SpendLimit | ATM Flow |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | ā |
| Update frequency | Every 11 days ā better | Every 2 months |
| Ads | No | No |
| In-app purchases | Yes | No ā better |
| Monetization | Free with in-app purchases | ā |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.0 ā better | 18.6 |
| Further details ā not scored | ||
| Size | 28 MB | 7 MB |
| Age rating | 4+ | 4+ |
| Developer | Robihamanto Robihamanto | Yousif Ameen |
In-app purchases
SpendLimit
- Monthly2 variants$4.991 Month
- Yearly2 variants$49.991 Year
ATM Flow
No in-app purchases








