Monflow: Finance with AI
Budget, expenses & net worth
Only for iPhone
Free · In‑App Purchases
iPhone
Managing money used to mean spreadsheets, receipts, and apps that feel like homework. Monflow is different — it's the finance app you actually talk to.
Just say it:
• "I spent 40 on dinner." → logged and categorized, instantly.
• "How much did I spend on food this month?" → a straight answer.
• "Can I afford a €900 trip?" → real reasoning against your actual money.
Your money, finally in plain conversation.
EVERYTHING IN ONE PLACE
• Live net worth across all your accounts
• A single Financial Health score — your finances in one number
• Analytics that show where your money really goes
• Subscriptions tracked so nothing slips through
• Goals with clear progress
• Personalized AI insights, every month
TALK OR TYPE
Log expenses, check balances, plan purchases — by voice or text, in seconds. Monflow's AI understands you and does the work.
BUILT FOR EVERY DAY
A one-minute daily rhythm that keeps you on top of your money — with streaks to keep you going.
MONFLOW PLUS
Unlock real-time voice, unlimited AI, monthly insights and more.
Your money, in conversation. Download Monflow and just talk.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.monflow.es/privacy
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
A new first impression — Monflow now assembles itself as it opens, with haptics to match.
Signing in is quicker: Apple and Google now come first.
Better translations across German, French, Italian and Portuguese.
The developer, Urko Garmendia Perez, 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 Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- User Content
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Urko Garmendia Perez
- Size
- 12 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later.
- iPhone
- Languages
English and 5 more
- English, French, German, Italian, Portuguese, Spanish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Monflow Plus $299.99
- Monflow Plus $29.99
- Copyright
- © 2026 Monflow