MonyFlow: No bank login

No bank login, Debt Payoff

Only for iPhone

Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.

iPhone

MoneyFlow – Budgeting That Resets With Your Real Life, Not the 1st of the Month Most budgeting apps reset on the 1st and fall apart the moment your pay date, bills, or spending don't match a fixed calendar. MoneyFlow gives you one number that always tells the truth: Safe-to-Spend — your income, minus every bill, debt, subscription, and goal you've committed to, updated in real time. TRACK EVERY PART OF YOUR MONEY IN ONE PLACE • Spending — Set a budget per category and get warned before you overspend, not after • Goals — Set a target and deadline, log contributions, and see if you're on track • Investments — Track what you've actually contributed to stocks, crypto, and funds • Debts — See your exact payoff month, plus how much extra payments save you • Subscriptions — Every recurring charge in one list, with renewal alerts 3 days early • Bills — Track variable bills like electricity and water, and spot what's higher this month • Income — Log what you earn to power your real-time Safe-to-Spend number KNOW WHERE YOU STAND, NOT JUST WHAT YOU SPENT • Net Worth — Assets minus liabilities, updated monthly • 21 Achievements — Earn badges and build your Wealth Score as you pay down debt and hit goals • Upcoming Payments — See every bill, subscription, and debt payment due in the next 7 or 30 days • Debt Payoff Date — Enter your rate and balance, see your exact payoff date, free for every debt PRO UNLOCKS • Strategy Comparison — Compare snowball vs avalanche to find the fastest path out of debt • Weekly AI Insights — A personalized coaching tip based on your actual spending, goals, and debt • 12-Month Net Worth Chart — See your trend over time • Cloud Sync — Keep your data backed up and synced across devices • CSV Export — Take your data with you, anytime WHY PEOPLE SWITCH TO MONEYFLOW • No bank sync to break — your data lives on your device • Core features are free — all 7 categories, achievements included, no paywall • No ads, ever — Pro subscribers fund the app, not your attention • Built for people juggling more than a single budget — bills, debt, investing, and saving, all at once Free, offline-first, and ready in under 2 minutes. Upgrade to Pro anytime for AI insights, debt strategy comparisons, and net worth trends. Terms of Use (EULA): https://www.getmoneyflow.app/terms

Ratings & Reviews

  • This app hasn’t received enough ratings or reviews to display an overview.

New - About, Privacy Policy and Terms of Use now open inside the app. You can read them without leaving MoneyFlow, then close the sheet and pick up where you left off. - New "Legal & About" section in Profile. The About page, Privacy Policy and Terms of Use are together in one place. Improved - Smoother sign-up. The Privacy Policy and Terms of Use links on the create-account screen also open in-app, so you never lose what you've typed. - Account deletion is now more reliable to support. We can now see where the delete flow fails, so problems are fixed faster. The flow itself is unchanged.

Version 1.37.3

The developer, YOUSSEF EL BEQQAL, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Used to Track You

    The following data may be used to track you across apps and websites owned by other companies:

    • Identifiers
    • Usage Data

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Contact Info
    • Usage Data

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Identifiers
    • Usage Data
    • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
YOUSSEF EL BEQQAL
Size
55.9 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPod touch
    Requires iOS 15.1 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
English
Age Rating
4+
In-App Purchases
Yes
  • MoneyFlow Premium Monthly $9.99
  • MoneyFlow Premium Yearly $79.99
  • Learn More
Copyright
© 2026 Youssef Elbeqqal
  • Privacy Policy

    • More by YOUSSEF EL BEQQAL

    You Might Also Like