What it does
Abstract Software’s Money Flow turns monthly income, fixed bills and a savings goal into a spending budget. Manual expenses feed category and daily charts, with widgets for the remaining month.
Make room for savings in the monthly plan
Enter monthly income, fixed bills and the amount you want to save. Money Flow subtracts that savings allocation before showing the spending budget. Add an expense with an amount, category and optional note, then filter the list by category or move between months.
Keep a chosen measure on the Home Screen
Insights includes the largest expense, leading category, daily average and projected savings, with charts by day and category. Widgets can display remaining days, budget position or spending in one category. Export makes a separate copy of expenses.
This is an upfront-purchase iPhone app with no account to create. The current version requires iOS 26 or later.
Strengths
- Savings reservation before the monthly spending budget
- Daily and category insights with home-screen widgets
Watch out for
- The current iPhone release requires iOS 26 or later
Best for
- iPhone users maintaining a manual monthly spending allowance
Sources
- Money Flow by Abstract Software on the App Store (Oct 28, 2026)
- Abstract Software Money Flow features (Oct 28, 2026)