# SpendSay vs TalkieMoney

The clearest difference is rating: SpendSay at 4.8 against TalkieMoney's 4.3. SpendSay also leads on update cadence (every 5 days vs fortnightly). TalkieMoney's advantage is review sentiment (81% vs 64%). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. SpendSay sells 2 in-app purchases, starting at $2.49 per month and TalkieMoney sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

SpendSay holds the better App Store score, 4.8 against 4.3. Both are backed by a comparable volume of ratings — 5 and 4 respectively. Written reviews complicate that: 64% of SpendSay's written reviews are positive against 81% of TalkieMoney's, so the app with the better star average is not the one people write more warmly about.

SpendSay ships an update every 5 days, TalkieMoney fortnightly. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | SpendSay | TalkieMoney |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5 ratings)](https://appshunter.io/ios/app/spendsay/id1120529246/reviews)** | [4.3 (4 ratings)](https://appshunter.io/ios/app/talkiemoney/id6473291180/reviews) |
| Number of ratings | **5** | 4 |
| Positive reviews | 64.3% of reviews | **81.3% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 5 days** | Fortnightly |
| Monetization | Free with in-app purchases | Freemium |
| Size | 99 MB | 33 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | +4 |
| Developer | [UnityRoot Solutions Inc](https://appshunter.io/developer/1740921442) | [Appar Technologies](https://appshunter.io/developer/1744585022) |

## What reviewers say

### SpendSay

[App page](https://appshunter.io/ios/app/spendsay/id1120529246)

This app offers a unique voice-based system for logging expenses, automatically categorizing them and tracking amounts. It gamifies budgeting with a monster-raising feature and includes financial simulations to teach smart money management. Users can also import electronic invoices and compare spending habits with others.

**Highlights:** Voice-activated expense logging, Automatic expense categorization, Monster-raising gamification, Financial simulation games, Electronic invoice import, Spending comparison reports, Data export and import

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 定期每月訂閱 | $2.49 | per month |
| 年訂閱完整版 | $26.99 | per year |


### TalkieMoney

[App page](https://appshunter.io/ios/app/talkiemoney/id6473291180)

This AI-powered app simplifies financial management by allowing users to log expenses and income using voice or text commands. It offers smart categorization, intelligent queries, and voice-controlled data management for an intuitive user experience.

**Highlights:** Voice and text expense logging, Smart transaction categorization, Intelligent financial queries, Voice-controlled data management, Typing mode available, Enhanced speech recognition

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Finance Whiz | $1.99 | per month |
| Finance Maestro | $14.99 | per year |


## Frequently asked questions

### Is SpendSay free?

SpendSay is free to download, with in-app purchases available.

### Is TalkieMoney free?

TalkieMoney is free to download, with in-app purchases available.

### Which has better reviews, SpendSay or TalkieMoney?

SpendSay is rated higher. SpendSay averages 4.8 out of 5 from 5 ratings, while TalkieMoney averages 4.3 from 4 ratings.

### Do SpendSay or TalkieMoney have ads?

Neither SpendSay nor TalkieMoney shows ads.

### Which is updated more often, SpendSay or TalkieMoney?

SpendSay ships an update every 5 days, and TalkieMoney fortnightly. Most recently, SpendSay was updated on October 27, 2026 and TalkieMoney on October 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*