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Money Flow: Budget & Expenses
Track spending. Plan your month. Keep control of your records. Expenses, budgets, bills and savings goals on iPhone, iPad and Mac, without a bank login.
Free to download. One Money Flow Pro subscription covers iPhone, iPad and Mac (Universal Purchase).
About
Money Flow is a fast, private personal-finance tracker for iPhone, iPad and Mac. 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 spending charts.
There is no bank linking. Money Flow never asks for a bank login and uses no aggregator such as Plaid — you enter transactions yourself or import a CSV your bank already gives you. There are no accounts to create, and your financial data stays on your device and your own private iCloud — we never see it.
iPhone, iPad and Mac
One subscription works across your devices. Here is what is included on each platform:
Your local price, billing period and trial eligibility are shown on the purchase screen before you confirm. Manage or cancel in your Apple Account subscription settings.
Getting started
- Add a transaction. Tap the + button, enter an amount, pick expense or income, and choose a category and account. Add an optional note and date.
- Customize categories and accounts. The app starts with sensible defaults (Groceries, Dining, Rent, Salary, Checking, Savings, and more). Edit names, icons, and colors, or add your own in Settings.
- See your insights. The Dashboard and Insights tabs break down spending by category and over time so you can spot trends at a glance.
- Add a widget (iPhone & iPad). Long-press your Home or Lock Screen, tap +, and add a Money Flow widget — your balance and recent activity, Safe to Spend on the Lock Screen and in StandBy, or the interactive Templates widget to queue a saved entry. Open Money Flow to save queued entries and refresh totals.
- On the Mac, the same app runs in its own window with full keyboard and menu support. The free preview lets you keep up to 10 active user-entered transactions. Pro unlocks unlimited entry and premium tools.
- Quick add with Siri & Shortcuts. Money Flow supports "Add Expense" and "Add Income" actions you can run from Shortcuts.
iCloud sync
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, iPad and Mac through your own private iCloud account — along with your merchants, tags, quick-add templates, saved filters and net-worth history. Records that successfully sync can return after reinstalling with the same iCloud account. Sync is enabled by default when iCloud is available. To keep new changes on one device, turn sync off and quit and reopen Money Flow. This does not delete an existing iCloud copy. Save a backup before deleting the app.
Importing & exporting
You can import records from a .csv file with column mapping and a preview, and export your data as CSV or Excel from Settings. CSV import requires Pro on Mac; CSV and Excel export are available free on every platform. Exports go wherever you choose through the standard system share sheet — Files, Mail, AirDrop, and so on — and the Mac app saves them straight to a folder you pick.
FAQ
Is Money Flow free? What is the limit on the Mac?
On iPhone and iPad the app is free with no transaction limit — core tracking is included. The upcoming 1.12 build 61 supports advertising with your consent; Pro shows no ads. On the Mac the app is completely ad-free, and the free download is instead a preview limited to 10 active user-entered transactions. You can browse and edit existing records, manage accounts and export your data. Pro is required for unlimited entry, CSV import, backup restore, new recurring rules and premium tools. Money Flow Pro lifts that limit and unlocks premium planning tools across your devices. Recurring bills the app posts for you and anything in the Bin do not count toward the ten.
Does Money Flow connect to my bank?
No — deliberately. Money Flow has no bank linking and uses no aggregator such as Plaid. It never asks for a bank login, so there is no credential to leak. You add transactions yourself, scan a receipt, or import a CSV your bank already gives you.
How much is Money Flow Pro, and is there a trial?
Money Flow Pro offers monthly and annual plans, with a 14-day introductory trial for eligible subscribers. One subscription covers your iPhone, iPad and Mac using the same App Store account. Your local price, billing period and trial eligibility are shown before purchase. You can cancel any time in the App Store under Settings → [your name] → Subscriptions.
Does the app show ads?
The upcoming iPhone/iPad version 1.12 build 61 supports ads on the free tier after you choose Allow ads. Personalized ads are off by default and require a separate choice and Apple tracking permission. Declining tracking still allows non-personalized ads if you allow advertising. Choosing Continue without ads keeps advertising off and you can keep using the free app. Change these choices in Settings → Privacy. Pro shows no ads, and the Mac app is ad-free at every tier.
Build 61 is a planned replacement and is not yet available on the App Store. The earlier iOS 1.12 build 59 had no advertising SDKs and was not released; Mac 1.12 build 60 is available. Version 1.11 included advertising SDKs, but inclusion alone does not establish ad serving. See the Privacy Policy for version-specific behavior and provider data processing.
Where is my data stored?
On your device, in Apple’s standard on-device database. Sync is enabled by default when iCloud is available, and mirrors records to your private iCloud account. To disable it, turn off Settings → iCloud, then quit and reopen the app. We never receive or store your financial data.
Will my data survive if I delete and reinstall the app?
Records that successfully synced can return when you reinstall and sign in to the same iCloud account. Unsynced changes may be lost when you delete the app. Let sync finish and save a separate backup before deleting Money Flow. If sync was off, a backup is needed to restore local-only records.
Does it sync between my iPhone, iPad and Mac?
Yes. With iCloud sync enabled on each device and the same Apple Account signed in, changes flow between them automatically.
Do I need an account or internet connection?
No Money Flow account is required. You can record and browse your finances offline. iCloud sync, new exchange rates, subscription purchases and restores use the network. Advertising, when allowed and available in an advertising build, also uses the network. Cached exchange rates may be older while offline.
What file formats can I import and export?
Import accepts CSV files with column mapping and a preview. Export produces CSV and Excel (.xlsx) files; Pro also includes PDF reports. Full backups preserve app data for restore. Import and backup restore require Pro on Mac.
How do recurring transactions work?
In Settings → Planning → Subscriptions & Bills, add an item with an amount, category, account, and how often it repeats (daily, weekly, every 2 weeks, twice a month on the 1st & 15th, monthly, or yearly). When Money Flow opens, it creates due entries, including occurrences missed while the app was closed. You can pause, edit or delete a rule; creating new recurring rules requires Pro on Mac.
How do transfers and account balances work?
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.
How do I lock the app?
Turn on App Lock under Settings → Security. On iPhone and iPad, authentication uses Face ID, Touch ID or the device passcode. On Mac, it uses Touch ID or your login password. Apple handles authentication; Money Flow does not receive your passcode, password or biometric data.
Where are receipt photos stored?
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 not sent to us. They are also included in backups you choose to save or share.
I found a bug or have a feature request.
Email mwsupplylimited@gmail.com with your device, your iOS or macOS version, the Money Flow version from Settings → About, and steps to reproduce.
Contact
For support: mwsupplylimited@gmail.com
Privacy
See the Money Flow Privacy Policy and Terms of Use (Apple standard EULA).
Earlier release history (versions 1.1–1.10)
What’s new in version 1.10
- Safe to Spend. Right on your Dashboard: an estimate based on your recorded balances, expected income, bills, goals and buffer — plus an amount per day.
- Safe to Spend on your Lock Screen and in StandBy. A dedicated widget in circular, rectangular and inline sizes, so it’s one glance with no unlocking.
- Keep a buffer. Enter a cushion to subtract from the Safe to Spend estimate.
- Interactive Templates widget. Tap a saved quick-add template (Coffee, Lunch, Gas…) on your Home Screen to queue an entry. Open Money Flow to save queued entries and refresh your totals.
- Pay cadences that match real paydays. Twice a month (1st & 15th) and every 2 weeks, alongside the existing schedules.
- Accuracy fixes. Quarterly and semi-annual charges are no longer detected as monthly; fortnightly bills post every 2 weeks instead of weekly; goal contributions are budgeted across the months you actually have left; a bill due later today no longer disappears from Safe to Spend before it’s paid; and your cash buffer is now included in backups.
What’s new in version 1.9
- Sharper Transactions list. Rows imported from CSV now show the merchant or payee as the title instead of a generic label.
- Safer cross-device sync for recurring transactions. When the same auto-posted bill arrives from two devices, the app merges associated edits, receipt photos and tags while removing the duplicate entry.
- A more accurate “restored” summary after importing a backup.
- Additional under-the-hood reliability fixes.
What’s new in version 1.8
- Full cross-device sync. iCloud synchronizes more of your records across your iPhone, iPad and Mac — merchants, tags, quick-add templates, saved filters, and your net-worth history all carry over.
- More complete backups. Net-worth history, the Bin (recently deleted), and your notification settings are now included and restored.
- Merchant round-trips through CSV. It is now supported in both CSV import and export.
- Reliability fixes, including self-healing of duplicate recurring entries across devices.
What’s new in version 1.7
- Quick-add templates. Save the things you log often (Coffee, Lunch, Gas) and add them in one tap.
- Upcoming Bills. A “coming up” card and agenda so you see what’s about to post before it does.
- Top Merchants. See exactly where your money goes, not just which category. (Money Flow Pro)
- Saved filters. Keep go-to views like “Reimbursable” one tap away.
- Shareable PDF statement for any month. (Money Flow Pro)
- Plus polish and reliability fixes.
What’s new in version 1.6
- Redesigned Transactions screen. Record an Expense, Income, or Transfer in one tap.
- New cash-flow calendar view. See each day’s income, spending, and transfers at a glance, and tap any day for the details.
- Easier categories. A searchable list where sub-categories tuck neatly under their parent.
- A smoother keyboard. “Done” now reliably closes it everywhere.
- Plus polish and reliability fixes.
What’s new in version 1.5
- Multi-currency. Record transactions in any currency — perfect for travel and cross-border spending. (Money Flow Pro)
- Your choice of exchange rate. For each foreign transaction, lock today’s rate, follow the live rate, or enter your own custom rate.
- Bulk currency edit. Select many transactions and set their currency in a couple of taps.
- One consistent currency. Totals, balances, budgets, and charts are all shown in your chosen currency, converting other currencies automatically with daily rates (cached for offline use).
- Fast, friendly entry. Record an expense, income, or transfer in one tap, save quick-add templates for the things you log often, and browse a month calendar of each day’s income, spending, and transfers.
- Upcoming bills. A “coming up” card and agenda show what’s about to post before it does.
- Top merchants. See exactly where your money goes — by payee, not just category. (Money Flow Pro)
- Saved filters & PDF statements. Keep go-to views like “Reimbursable” one tap away, and export a shareable monthly PDF report. (PDF is Money Flow Pro)
- Net worth over time. Add assets (home, car, investments) and liabilities (loans, mortgage) and watch your net worth grow on a chart. (Money Flow Pro)
- Plan ahead. A cash-flow forecast with “safe to spend this month”, and a debt-payoff planner (snowball or avalanche) that estimates your debt-free date and interest saved. (Money Flow Pro)
- Subscription detection. Money Flow spots recurring charges — and price increases — right on your device, so you can start tracking them in a tap. (Money Flow Pro)
- Tags. Label transactions (#vacation, #reimbursable) across categories and see your spending by tag. (Money Flow Pro)
- Budget rollover. Carry unspent category budget into next month, envelope-style. (Money Flow Pro)
- Spending calendar. A month heatmap of where your money goes, day by day, with a no-spend-day counter.
- Transfer fees. Record an exchange/transfer fee that shows in your spending while the transfer stays balanced.
- Faster CSV & bulk edits. Save column-mapping presets for each bank’s export, and re-categorize, move, or re-currency many transactions at once — with undo.
- Budget alerts. Get a heads-up at 80% and 100% of a budget — and when you’re on track to overspend before month-end.
- Bill reminders. A notification before each recurring bill or subscription posts, so nothing catches you off guard.
- Weekly & monthly recap. A quick review of your spending, top categories, and highlights — computed entirely on your device.
What’s new in version 1.4
- Smarter import. Money Flow now reads more date formats, international number formats (like 1.234,56), accounting-style negatives in parentheses, and bank statements with separate Debit and Credit columns.
- More accurate charts. Transfers between your own accounts no longer count as spending.
- Cleaner iCloud sync. Duplicate default categories and accounts are tidied up automatically across your devices.
- Stronger privacy. With App Lock on, your finances stay hidden in the App Switcher.
- Better backups. Restoring keeps your category and account folders plus your key settings.
- Reliability. More dependable recurring transactions, plus polish for the widget, the Pro page, and keyboard handling.
What’s new in version 1.3
- Scan receipts. Snap a photo and Money Flow fills in the amount, merchant, and date automatically — all on your device.
- Split shared receipts. When a receipt includes other people’s items, pick only the ones you paid for — Money Flow even splits the tax and fees fairly.
- Subscriptions & Bills. See every recurring bill and subscription in one place, with what’s renewing next and your true monthly cost.
- Your Journey. Build a logging streak and earn milestones that keep you motivated.
- Back up & restore. Save a complete backup of everything to Files or iCloud Drive, and restore it anytime.
- A fresh new look. A brand-new app icon, plus refined ad placement so nothing blocks your view.
What’s new in version 1.2
- Money Flow Pro arrives. Go ad-free and unlock premium features — advanced insights with spending forecasts and year-over-year comparisons, custom accent themes, and alternate app icons.
- Account transfers and live balances. Move money between accounts and see each account’s current balance.
- Per-category budgets with progress and alerts.
- Recurring transactions logged automatically on schedule.
- Savings goals, Face ID / passcode app lock, advanced filters and sorting, receipt photos, and an optional daily logging reminder.
What’s new in version 1.1
- Account transfers & live balances. Move money between accounts with a dedicated Transfer type, and see each account’s current balance on the Dashboard and in Manage Accounts.
- Per-category budgets. Set a monthly limit on any category and track spending against it with progress bars and over-budget alerts in the new Budgets screen.
- Recurring transactions. Add subscriptions and regular bills once and let Money Flow log them automatically on schedule, including any that came due while the app was closed.
- Savings goals. Set targets (like a vacation fund) and track your progress, adding or withdrawing funds as you go.
- Face ID / passcode lock. Optionally require Face ID, Touch ID, or your passcode to open the app.
- Advanced filters & sorting. Filter the transaction list by type, category, account, date range, and amount, and sort by date or amount.
- Receipt photos. Attach a photo of a receipt to any transaction and view it later.
- Daily reminder. Turn on an optional daily notification to remind you to log your spending at a time you choose.