Track your spending and income, see where your money goes with clean charts, and keep everything private on your device and your own iCloud. Version 1.2
Money Flow is a fast, private personal-finance tracker for iPhone and iPad. Log expenses, income, and transfers in seconds, organize them with customizable categories and accounts, set budgets and savings goals, and understand your habits through dashboards and insights built with Swift Charts. There are no accounts to create, and your financial data stays on your device and your own private iCloud — we never see it. The free version is supported by ads; upgrading to Money Flow Pro removes all ads and unlocks advanced insights, custom themes, and alternate app icons.
When you are signed in to iCloud and the toggle in Settings → iCloud is on, your transactions, categories, accounts, budgets, savings goals, recurring items, and settings sync automatically across your iPhone and iPad through your own private iCloud account. Because the data lives in your iCloud, it also comes back if you reinstall the app on a new or reset device. If you prefer to keep everything on a single device, just leave iCloud sync off — the app works fully offline.
You can bring existing records in from a .csv file and export your data as CSV or Excel at any time from Settings. Exports go wherever you choose through the standard iOS share sheet — Files, Mail, AirDrop, and so on.
On your device, in Apple’s standard on-device database. If you enable iCloud sync, a copy is mirrored to your personal iCloud account so it stays in sync across your devices. We never receive or store your financial data.
If iCloud sync was enabled, yes — your data is restored from your iCloud account when you reinstall and sign in to the same Apple Account. If iCloud sync was off, the data is stored only on the device and is removed when you delete the app, so export a backup first if you plan to delete it.
Yes. With iCloud sync enabled on both devices and the same Apple Account signed in, changes flow between them automatically.
No. Money Flow has no sign-in and works completely offline. iCloud sync is the only feature that uses the network, and it is optional.
Import accepts CSV files. Export produces CSV and Excel (.xlsx) files.
In Settings → Recurring Transactions, add an item with an amount, category, account, and how often it repeats (daily, weekly, monthly, or yearly). Money Flow posts each one automatically when it’s due — including any that came due while the app was closed — and you can pause, edit, or delete a rule at any time.
Choose Transfer when adding a transaction to move money from one account to another. Transfers don’t count as income or expense; they simply adjust each account’s balance. Current balances appear on the Dashboard and in Settings → Manage Accounts, calculated from each account’s starting balance plus its activity.
Turn on Settings → Security to require Face ID, Touch ID, or your device passcode each time you open Money Flow. Authentication is handled entirely by iOS; the app never sees your passcode or biometric data.
Receipt photos you attach are stored on your device alongside the transaction, and — if iCloud sync is on — in your own private iCloud. They are never sent to us or anyone else.
Email mwsupplylimited@gmail.com with your iOS version, device, and steps to reproduce.
For support: mwsupplylimited@gmail.com
See the Money Flow Privacy Policy.