Monflow: Finance with AI
Urko Garmendia Perez Finance iPhoneiPadiPod touch
Monflow: Finance with AI is a free Finance app for iPhone and iPad by Urko Garmendia Perez. Requires iOS 17.0. Updated August 11, 2026.
- Price
- Free
- on the App Store
- Size
- 11 MB
- Age 4+
- Updated
- Aug 11
- 2026 · v1.3
Screenshots
About Monflow: Finance with AI
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
What’s new
Version 1.3 · Updated August 11, 2026
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.
App privacy
The developer, Urko Garmendia Perez, reported these privacy practices to Apple.
Data Linked to You
The following data, which may be collected and linked to your identity, may be used for the following purposes:
- Contact Info: Email Address, Name
- Usage Data: Advertising Data, Product Interaction, Other Usage Data
- Purchases: Purchase History
- Financial Info: Other Financial Info
- User Content: Customer Support, Photos or Videos, Audio Data, Other User Content
- Diagnostics: Crash Data, Performance Data, Other Diagnostic Data
- Identifiers: User ID
Used for: Developer’s Advertising or Marketing, Analytics, Product Personalization, App Functionality