Spend Split vs Money Flow
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spend Split
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Spend Split is the budget planner that tracks your spending, splits bills with friends, and never forgets who SPEND WISELY. SPLIT FAIRLY. TRACK YOUR SPENDING • Add expenses in seconds with the built-in calculator • Smart categories and recent suggestions • Attach receipt photos to any transaction BUDGETS THAT ACTUALLY WORK • Set budgets per category • Real-time alerts before you overspend • Weekly, monthly, or yearly periods SPLIT BILLS WITHOUT THE DRAMA • Split group expenses equally or your way • Perfect for trips, dinners, and roommates NEVER FORGET WHO OWES YOU • Track money lent and borrowed • Due dates and partial repayments • Full history of every IOU 150+ CURRENCIES • Perfect if you live, work, or travel across borders • Set your home currency, record in any other YOUR DATA, SECURE • Encrypted cloud sync • We never sell your information TRY PREMIUM FREE FOR 1 MONTH No credit card required. Cancel anytime. Then continue free, or go Premium for $3.99/month. Now in 6 languages: English, Arabic, Spanish, Hindi, Indonesian, and Chinese. Terms of Use: https://getspendwise.co/terms Privacy Policy: https://getspendwise.co/privacy
Money Flow
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My Money Manager – Income & Expense Tracker, Money Manager & Finance App My Money Manager is a powerful and easy-to-use income and expense tracker app designed to help you take full control of your personal finances. This all-in-one money manager and finance manager app helps you track daily expenses, record income, manage accounts, and monitor your financial activity in one secure place. Whether you want a daily expense tracker, money tracker, personal finance app, or account manager, My Money Manager gives you the tools to stay organized and financially confident. Track Expenses & Income Easily • Quick and simple daily expense entry • Record income, transfers, and transactions • Smart categorization with main categories and subcategories • Built-in calculator for fast and accurate calculations • Add notes for better tracking • Real-time balance updates across all accounts Perfect as a daily expense tracker, income tracker, and spending tracker. Advanced Reports & Financial Insights • Daily, weekly, monthly, and yearly financial reports • Visual charts and spending analytics • Category-wise expense breakdown • Income vs expense comparison • Calendar view for transaction history Analyze spending habits, track savings, and improve financial planning with detailed insights. Multi-Account & Money Management • Manage cash, bank accounts, wallets, and cards • Track multiple accounts in one place • Complete account balance overview Ideal for household budgeting, personal finance management, and small business expense tracking. Export Transactions to Excel (XLSX) • Export transactions in Excel format • Generate month-wise Excel reports • Detailed date-wise transaction records • Category-wise and account-wise aggregation • Easy sharing for business reports or tax preparation A powerful feature for users who need financial reports in spreadsheet format. Built-in Calculator • Perform instant calculations while adding transactions • Avoid manual errors • Simplify money management with an integrated calculator Why Choose My Money Manager? • Easy-to-use money manager app • Powerful income and expense tracker • Advanced financial reports • Excel export with monthly aggregation • Multi-account money tracking • Complete personal finance solution Take control of your money today with My Money Manager – Income & Expense Tracker App. Download now and start managing your finances smarter.
Screenshots
Verdict
The clearest difference is in-app purchases: Money Flow at none against Spend Split's 1. Spend Split's advantage is update cadence (fortnightly vs every 4 months). On price, ads, device support and iOS requirement 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
Both are free to download. Spend Split sells 1 in-app purchase, starting at $2.99 per month. Money Flow asks for nothing beyond the download.
Spend Split ships an update fortnightly, Money Flow every 4 months. The most recent releases landed on October 13, 2026 and October 15, 2026 respectively.
| Parameter | Spend Split | Money Flow |
|---|---|---|
| Price | Free | Free |
| Update frequency | Fortnightly — better | Every 4 months |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 68 MB | 32 MB |
| Age rating | 17+ | 4+ |
| Developer | Saeed Anwar | Ganesh Kalwane |
In-app purchases
Spend Split
- Premium Monthly$2.991 Month
Money Flow
No in-app purchases
Questions
Is Spend Split free?
Is Money Flow free?
Do Spend Split or Money Flow have ads?
Which is updated more often, Spend Split or Money Flow?
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