Comparison

Cashflow vs MySpendWise

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

Head to head
About

Cashflow

Features
Read full description

Stop guessing where your money goes. Cashflow makes budgeting simple - create a budget, log expenses in seconds, and always know how much you can spend today. Create a weekly, monthly, or flexible budget and see how much you can safely spend without going over your limit. Add expenses and income in seconds, organize transactions by category, and understand where your money goes. Whether you want to control daily spending, save for a goal, or manage a trip budget - Cashflow keeps everything clear and easy to follow. Main features: Simple budget tracking Create budgets for your week, month, or any personal goal. Subscriptions manager Track recurring payments and upcoming subscriptions Daily spending guidance See how much you can spend per day and compare it with your current pace. Fast transaction logging Add expenses and income quickly with categories and clear amounts. Spending categories Understand where your money goes: food, transport, shopping, bills, subscriptions, and more. Useful insights View your spending, income, and budget progress in simple visual stats. Flexible budget mode Use Cashflow for trips, savings goals, events, or any budget without a fixed period. Clean and focused design No complicated finance tools. Just a simple way to stay in control of your money. Cashflow is made for people who want a practical budget tracker without spreadsheets, confusing charts, or unnecessary complexity. Take control of your spending, plan your budget, and make your money easier to manage. Cashflow is free to start. Some advanced features, such as extra budgets, deeper insights, and customization, require Cashflow Pro subscription Terms of Use: https://cashflow.selezen.dev/terms Privacy Policy: https://cashflow.selezen.dev/privacy

About

MySpendWise

Features
Read full description

MySpendWise is an expense tracker that works everywhere - mobile app, chat bot, and web dashboard. All your data syncs instantly across all platforms. Log expenses in seconds from wherever is convenient - the app, a chat bot, or the website. View analytics on any device. How it works: - Quick input: type "Groceries 1500" in the app or chat bot - done - Quick add from home screen without opening the app - Family tracking: add your partner and track expenses together - All data syncs between app, bot, and web in real time Features: - Instant expense logging (regular and recurring) - Categories are created automatically - Category spending limits with alerts - Pie charts and spending trends - Month-to-month comparison and forecast - Savings goals with progress rings - Multi-currency with auto-conversion (35 currencies) - AI-powered spending recommendations - Payment reminders for recurring expenses - No-spend days tracking Free features: - Unlimited expense entries - Basic report with pie chart - Up to 3 recurring expenses Premium features: - Multi-currency, limits, goals, forecast, comparison - AI spending analysis and full analytics Terms of Use: https://myspendwise.club/terms Privacy Policy: https://myspendwise.club/privacy

Screenshots

Cashflow4 screens
MySpendWise4 screens

Verdict

The call

Cashflow and MySpendWise are too close to call on the numbers: across 6 compared parameters โ€” price, update cadence, ads and in-app purchases among them โ€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Cashflow sells 2 in-app purchases, starting at $2.99 per month and MySpendWise sells 4 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Cashflow ships an update every 10 days, MySpendWise every 9 days. The most recent releases landed on October 14, 2026 and October 12, 2026 respectively.

ScorecardNo meaningful differences
Cashflow versus MySpendWise: the parameters behind the verdict, then further details
ParameterCashflowMySpendWise
PriceFreeFree
Update frequencyEvery 10 daysEvery 9 days โ€” better
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615.1 โ€” better
Further details โ€” not scored
Size53 MB38 MB
Age rating4+4+
DeveloperDmytro SelezenDmitriy Kim

In-app purchases

2 purchases

Cashflow

Subscriptions2
  • Cashflow Premium Monthly3 Days trial$2.991 Month
  • Cashflow Premium Annual3 Days trial$19.991 Year
4 purchases

MySpendWise

Subscriptions4
  • Pro$2.991 Month
  • Pro+$3.991 Month
  • Pro$19.991 Year
Show 1 more
  • Pro+$39.991 Year

Questions

Is Cashflow free?
Cashflow is free to download, with in-app purchases available.
Is MySpendWise free?
MySpendWise is free to download, with in-app purchases available.
Do Cashflow or MySpendWise have ads?
Neither Cashflow nor MySpendWise shows ads.
Which is updated more often, Cashflow or MySpendWise?
Cashflow ships an update every 10 days, and MySpendWise every 9 days. Most recently, Cashflow was updated on October 14, 2026 and MySpendWise on October 12, 2026.

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