Comparison

Spend Split vs Money Flow

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

Head to head
About

Spend Split

Features
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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

About

Money Flow

Features
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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

Spend Split4 screens
Money Flow4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

UpkeepUpdate frequency

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.

Scorecard2 real differences · 4 level
Spend Split versus Money Flow: the parameters behind the verdict, then further details
ParameterSpend SplitMoney Flow
PriceFreeFree
Update frequencyFortnightly — betterEvery 4 months
AdsNoNo
In-app purchasesYesNo — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.013.0
Further details — not scored
Size68 MB32 MB
Age rating17+4+
DeveloperSaeed AnwarGanesh Kalwane

In-app purchases

1 purchases

Spend Split

Subscriptions1
  • Premium Monthly$2.991 Month
None

Money Flow

No in-app purchases

Questions

Is Spend Split free?
Spend Split is free to download, with in-app purchases available.
Is Money Flow free?
Money Flow is free to download, with no in-app purchases.
Do Spend Split or Money Flow have ads?
Neither Spend Split nor Money Flow shows ads.
Which is updated more often, Spend Split or Money Flow?
Spend Split ships an update fortnightly, and Money Flow every 4 months. Most recently, Spend Split was updated on October 13, 2026 and Money Flow on October 15, 2026.

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