Comparison

Budget Planner vs Flow

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

Head to head
About

Budget Planner

Manage your finances without linking bank accounts. Track credit cards, build debt payoff plans, set budgets, and monitor goals. All your financial data is stored locally for privacy.

Highlights
  • Track credit cards and purchases
  • Build debt payoff plans (snowball/avalanche)
  • Set category budgets and track spending
  • Monitor financial goals and net worth
  • Private, local data storage
  • Biometric access protection
Read full description

Plan your spending before you spend. Organize your budget by category, move budget amounts as priorities change and track savings goals. Keep cards, installments and upcoming bills in view without connecting your bank. Cards and installments Add your cards and credit limits. Track installment purchases, review monthly totals and see statement and payment dates. Set reminders to keep your dates in view. Ctrl Xpenses helps you plan and record payments; it does not make bank payments. A budget for your month Log expenses and income manually, set category budgets and review your spending and remaining amounts. You do not need to share bank login details. From receipt to record Scan a receipt and review the extracted details before saving. Correct the fields or enter the transaction manually. Debt payoff planning Compare snowball and avalanche strategies. Simulate extra payments and review estimated payoff dates and interest. Goals, accounts and net worth Track savings goals and record assets, debts and investments to review your net worth. Work with multiple currencies when needed. Your financial records on your device Log and review transactions offline. No Ctrl Xpenses account or bank connection is required. Use your device's biometric protection when available. No ads or advertising tracking. Start free Start with transaction tracking and tools for budgets, cards and debts. Pro expands the limits for accounts, categories and tags. Ctrl Xpenses Pro Expand your limits and access data export, backup and restore. Choose a monthly plan, annual plan or lifetime purchase. Check the purchase screen for current prices, terms and any trial available to your account. Backups are manual files; there is no automatic sync between devices. Pro purchases, market quotes and exchange rates require an internet connection. Simulations are informational estimates, not financial advice. Purchase, diagnostic and analytics services are described in the privacy policy. TERMS OF USE (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Flow

Effortlessly track income, expenses, and transfers on a clear timeline. Monitor accounts, assets, budgets, and spending habits. Offers a free version with core features and an optional Pro upgrade for advanced tools and unlimited data management.

Highlights
  • Income and expense tracking
  • Account and asset monitoring
  • Budget creation and management
  • Recurring payment and subscription tracking
  • Investment tracking
  • Data import/export
Features
Read full description

Record income, expenses, and transfers in one calm timeline. See accounts, assets, budgets, recurring payments, subscriptions, investments, and spending patterns in one clear view. Import or export your data when you need it, and make money tracking a simple daily habit. Flow Pro (optional) The free version includes unlimited transactions, 3 accounts, 1 budget, and 3 schedules. Upgrade to Flow Pro to unlock: · Investments and Subscriptions pages and their widgets (free for 7 days the first time you use them) · Unlimited accounts, budgets, and schedules · Automatic market data refresh · Apple Watch · More data export formats · Exclusive app icons Flow Pro is available as a monthly or yearly auto-renewing subscription, or as a one-time lifetime purchase. Payment is charged to your Apple Account. Subscriptions renew automatically unless turned off at least 24 hours before the end of the current period. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Budget Planner4 screens
Flow4 screens

Verdict

The call

The clearest difference is iOS requirement: Budget Planner at 17.0 against Flow's 26.6. On price, rating, ratings volume and ads 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. Budget Planner sells 3 in-app purchases, starting at $2.99 per month and Flow sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Budget Planner against 5.0 for Flow. Both are backed by a comparable volume of ratings — 1 and 2 respectively.

Scorecard1 real difference · 9 level
Budget Planner versus Flow: the parameters behind the verdict, then further details
ParameterBudget PlannerFlow
PriceFreeFree
Rating5.0 (1 ratings)5.0 (2 ratings)
Positive reviews100.0% of reviews—
Number of ratings12 — better
Update frequencyEvery 5 days—
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPadiPhone, iPad, Apple Watch — better
Requires iOS17.0 — better26.6
Further details — not scored
Size81 MB82 MB
Age rating4+4+
DeveloperJUAN CONRADO A DE LAROSAYu Fan

In-app purchases

3 purchases

Budget Planner

Subscriptions2
  • Ctrl Xpenses Pro Monthly$2.991 Month
  • Ctrl Xpenses Pro Annual7 Days trial$16.991 Year
One-time1
  • Ctrl Xpenses Pro Lifetime$49.99
3 purchases

Flow

Subscriptions2
  • Flow Pro Monthly$3.991 Month
  • Flow Pro Annual1 Year trial$24.991 Year
One-time1
  • Flow Pro Lifetime$69.99

Questions

Is Budget Planner free?
Budget Planner is free to download, with in-app purchases available.
Is Flow free?
Flow is free to download, with in-app purchases available.
Which has better reviews, Budget Planner or Flow?
Budget Planner and Flow are both rated 5.0 out of 5 on the App Store, from 1 and 2 ratings respectively.
Do Budget Planner or Flow have ads?
Neither Budget Planner nor Flow shows ads.

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