# Spending Rate — Track daily spending pace

> Pace-aware daily spending tracker projecting balance until payday. (iPhone/iPad app by Seung-Un Ham.)

- Source: https://appshunter.io/ios/app/spending-rate/id1571310168 (this page in markdown: same URL + `.md`)
- Developer: [Seung-Un Ham](https://appshunter.io/developer/447543367)
- Category: Utilities, Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 18.0 · 11 MB
- Languages: Australian English, Arabic, Catalan, Croatian, Czech, Danish, Dutch, Finnish, Canadian French, German (Germany) and 23 more
- Released: 2021-06-10
- Data updated: 2026-09-08
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/spending-rate/id1571310168/reviews.md

## What is Spending Rate?

How much have I spent? Will I make it to payday?

Spending Rate answers both — a pace-aware tracker that projects your balance and shows where your money goes.

CALENDAR
Log every spend on the day it happened. See your month at a glance — each day shows what you bought and how much. Tap any day to add, edit, or review entries.

CHARTS
A 30-day breakdown by category. Stacked bars by day so you can spot the days that ran hot, and the categories that ate the budget. Header shows total + per-day average.

DEBIT + CREDIT
Set today's balance and your next payday. The app projects whether you'll make it, factoring in your daily spending pace and any credit card bill due.

CATEGORIES
Tag each spend (Groceries, Coffee, Transit) and watch them light up the chart in its own color. Manage categories from Settings.

PRIVATE BY DESIGN
- iCloud sync across iPhone and iPad
- No accounts, no ads, no tracking
- Your data stays in your private iCloud

## Key features

- Log daily expenses
- Project balance until payday
- Visualize spending by category
- Calendar view of expenses
- Private iCloud sync
- No ads or tracking

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/spending-rate/id1571310168/reviews.md

### 5/5 — 딱 원하던 어플이에요!

*2021-12-01*

어플 대표사진이 이모지인 것도 맘에 드네요ㅋㅋ 가계부다 뭐다 하면서 이것저것 구구절절 쓰기는 싫고, 딱 다음 용돈받는 날까지 하루에 어느 정도 써야하는지 정도만 알고 싶었는데 저같은 생각을 하는 분이 계셨군요... 좋은 어플 만들어주셔서 감사해요 (사실 아직 써보진 않았어요ㅎㅎ 앱스토에서 발견하고 너무 좋아서 리뷰 먼저씁니다)

+ 시작일에 잔고 입력하고 종료일 지정하면 하루에 대략 얼마 쓸 수 있는지 실시간으로 계산되는거 너무 좋아요!
+ 하나 바라는 점은,, 이렇게 초기값 설정해둔 후에, 시작일부터 종료일까지 매일 하루에 한번 그날의 잔고를 기록하면, 다시 그에 맞춰서 하루에 대략 얼마 쓸 수 있는지가 딱딱 보이면 좋겠어요!
ex) 
시작일 12/1   
잔고:31만원 

--기록란---
12/1의 잔고 : 30 (30을 입력할시 아래에 새 계산값나옴)
12/2의 잔고 : 25 (25를 입력할시 아래에 새 계산값나옴)
.
.
.
종료일 12/30

**Developer response:** 칭찬하고 댓글 달아주셔서 감사합니다 아이디어까지 큰 힘이 됩니다~ 제가 제대로 알아들었는지 모르겠지만 매일 시작일 아래 새 금액을 넣으면 그날부터 하루에 얼마 쓸 수 있는지 새 계산값이 나옵니다

## Frequently asked questions about Spending Rate

### How does Spending Rate help me manage my money?

Spending Rate tracks your daily spending pace and projects your balance until your next payday. It visualizes where your money goes with charts and allows you to log expenses on the day they occur.

### Is Spending Rate free to use?

Yes, Spending Rate is available for free. The app does not have any in-app purchases or advertisements.

### Does Spending Rate have ads?

No, Spending Rate is ad-free. The app is designed with privacy in mind and does not display any advertisements.

### What devices does Spending Rate support?

Spending Rate is compatible with iPhone and iPad devices. It utilizes iCloud sync to keep your data consistent across both platforms.

### How often is Spending Rate updated?

The latest version of Spending Rate is 2.2.1, last updated on June 30, 2026. Updates typically focus on improving features and ensuring reliability.

### What is the age rating for Spending Rate?

Spending Rate has an age rating of 4+, making it suitable for a wide range of users. The app focuses on basic financial tracking and visualization.

### Does Spending Rate require an account?

No, Spending Rate does not require you to create an account. It prioritizes user privacy by using iCloud sync for data storage and does not collect any personal information.

### Can I categorize my expenses in Spending Rate?

Yes, you can tag each spend with custom categories like Groceries or Transit. These categories are then visualized in the app's charts to show where your budget is being spent.

## Version history (last 5 releases)

### 2.2.1 — 2026-06-30

- Updated UI for a clearer spending overview
- Easier spending entry and category management
- Better calendar, charts, and iCloud sync
- General fixes and release polish

### 2.2 — 2026-04-24

What's new in 2.2
- Calendar tab — see every spend on a month grid
- Charts tab — 30-day breakdown by category
- Custom categories you can tag spends with
- iCloud sync across iPhone and iPad

### 2.0.1 — 2025-12-16

- Updated support URL.

### 2.0 — 2025-10-13

Check your spending rate until next payday.

• See if you're spending too fast or too slow
• Track debit and credit card spending
• Set a reserve goal to keep a cushion
• Get real-time feedback on your pace
• Simple estimates, not complicated budgets

### 1.0.7 — 2022-03-15

• Fixed text.

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## More apps by Seung-Un Ham

- [Multiple Choice](https://appshunter.io/ios/app/multiple-choice/id872482870)
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- [ListShuffler](https://appshunter.io/ios/app/listshuffler/id1472368704)
- [Random-Coffee](https://appshunter.io/ios/app/random-coffee/id1483156053)

All apps by Seung-Un Ham: https://appshunter.io/developer/447543367

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-08.*