Comparison

SpendLimit vs ATM Flow

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

Head to head
About

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.

Highlights
  • Offline expense tracking
  • AI-powered OCR receipt scanning
  • Smart budget setting and monitoring
  • Spending summaries and trends
  • No sign-up required
Features
Read full description

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/

About

ATM Flow

Features
Read full description

ATM Flow is a manual budgeting app built for people who want full control over their finances — 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 — native Arabic and English with full RTL support and Arabic-Indic numerals • Zero data collection — no analytics, no tracking, no accounts to create. Your financial data stays yours. • iCloud sync across all your devices — encrypted by Apple, invisible to us • Built for the Gulf — 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 — 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 — genuinely useful apps, always free.

Screenshots

SpendLimit4 screens
ATM Flow4 screens

Verdict

The call

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

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

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.

UpkeepUpdate frequency

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.

Scorecard2 real differences Ā· 6 level
SpendLimit versus ATM Flow: the parameters behind the verdict, then further details
ParameterSpendLimitATM Flow
PriceFreeFree
Positive reviews100.0% of reviews—
Update frequencyEvery 11 days — betterEvery 2 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.0 — better18.6
Further details — not scored
Size28 MB7 MB
Age rating4+4+
DeveloperRobihamanto RobihamantoYousif Ameen

In-app purchases

2 purchases

SpendLimit

Subscriptions2
  • Monthly2 variants$4.991 Month
  • Yearly2 variants$49.991 Year
None

ATM Flow

No in-app purchases

Questions

Is SpendLimit free?
SpendLimit is free to download, with in-app purchases available.
Is ATM Flow free?
ATM Flow is free to download, with no in-app purchases.
Do SpendLimit or ATM Flow have ads?
Neither SpendLimit nor ATM Flow shows ads.
Which is updated more often, SpendLimit or ATM Flow?
SpendLimit ships an update every 11 days, and ATM Flow every 2 months. Most recently, SpendLimit was updated on October 5, 2026 and ATM Flow on October 12, 2026.

Other comparisons