Comparison

SPEND vs mo

Price, ratings, monetisation and update history for both apps, side by side โ€” with what reviewers say about each.

Head to head
About

SPEND

Effortlessly manage group expenses for trips, gatherings, and more. This app intelligently calculates and distributes costs, even handling currency exchange rates and allowing exclusion of specific participants from transactions.

Highlights
  • Expense and transfer tracking
  • Currency exchange rate support
  • Selective participant involvement
  • Automatic remaining amount distribution
  • Export to Excel (CSV)
  • Individual transaction lists
Features
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Split bills, settle group expenses and track travel costs in one place. Split dinner with friends in a few taps, or keep track of a trip day by day. SPEND helps you go from a quick calculation to recording expenses and settling up. โ–  QUICK SPLITS, WITHOUT THE SETUP Enter amounts and a headcount without creating an event. Add several amounts, revisit recent calculations and make changes. Turn a calculation into a new event when you want to keep recording. โ–  A PLACE FOR EVERY TRIP AND GATHERING A weekend away, a meetup with friends or a shared meal. Keep expenses in separate events, with dates, places and notes. Find the records you need by category or tag. โ–  SOME COSTS FOR TWO. OTHERS FOR EVERYONE. Choose who paid and who shares each expense. Split equally, set member share ratios or enter individual amounts. Record expenses paid by more than one person. โ–  LOCAL SPENDING, FAMILIAR CURRENCY Record in local currency. See costs in your everyday currency. Enter an exchange rate yourself or look up a recent rate. โ–  SEE WHO OWES WHOM Review member balances and suggested settlements at a glance. Share the results with your group. โ–  LOOK BACK AT WHAT YOU SPENT Explore spending over time and by category or tag. Export your records as CSV to view in Excel, or back up and restore your full records. โ–  MINI GAMES FOR YOUR MEETUP Open finger, wheel and pinball games from Quick Split or the transaction list. โ–  PLANNED FEATURES โ€ข Real-time sharing and sync to keep records together โ€ข Detailed statistics to explore spending patterns โ€ข Photos and maps to capture moments and places from your travels Support: cs@spendlab.net

About

mo

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mo:a โ€” ๋ถ€๋ถ€ยท์ปคํ”Œ์„ ์œ„ํ•œ ๊ณต์œ  ๊ฐ€๊ณ„๋ถ€ ๋”ฐ๋กœ ์ •์‚ฐํ•˜๋˜ ์‹œ์ ˆ์€ ๋. ํ•จ๊ป˜ ๊ธฐ๋กํ•˜๊ณ , ํ•จ๊ป˜ ๋ณด๊ณ , ํ•จ๊ป˜ ๋ชจ์•„๊ฐ€๋Š” ์šฐ๋ฆฌ๋งŒ์˜ ๊ฐ€๊ณ„๋ถ€ mo:a๋ฅผ ๋งŒ๋‚˜๋ณด์„ธ์š”. [ ์ฃผ์š” ๊ธฐ๋Šฅ ] โ–ธ ์‹ค์‹œ๊ฐ„ ๊ณต์œ  ๊ฐ€๊ณ„๋ถ€ ๋ฐฐ์šฐ์ž/์—ฐ์ธ๊ณผ ๊ฐ™์€ ๋ฐฉ์—์„œ ์ˆ˜์ž…ยท์ง€์ถœยท์ €์ถ•ยท๊ณ ์ •๋น„๋ฅผ ์‹ค์‹œ๊ฐ„์œผ๋กœ ํ•จ๊ป˜ ๊ด€๋ฆฌ โ–ธ ํ•œ๋ˆˆ์— ๋ณด๋Š” ์›”๋ณ„ ๋ถ„์„ ์นดํ…Œ๊ณ ๋ฆฌ๋ณ„ยท๋ฉค๋ฒ„๋ณ„ ์ง€์ถœ ๋ถ„์„, ์›”๊ฐ„ ๋ณด๊ณ ์„œ, ์ง€์ถœ ์ธ์‚ฌ์ดํŠธ โ–ธ ์˜ˆ์‚ฐ ๊ณ„ํš ์›”๋ณ„ ์˜ˆ์‚ฐ ์„ค์ • ๋ฐ ์‚ฌ์šฉ๋ฅ  ์ถ”์ , ์นดํ…Œ๊ณ ๋ฆฌ๋ณ„ ์˜ˆ์‚ฐ ์•Œ๋ฆผ โ–ธ ๊ณ ์ •๋น„ ์ž๋™ ์•Œ๋ฆผ ๋งค์›” ๊ฒฐ์ œ์ผ ํ‘ธ์‹œ ์•Œ๋ฆผ, ์ข…๋ฃŒ๋œ ๊ณ ์ •๋น„ ๊ด€๋ฆฌ โ–ธ ์˜์ˆ˜์ฆ OCR ์Šค์บ” ์˜์ˆ˜์ฆ ์‚ฌ์ง„ ํ•œ ์žฅ์œผ๋กœ ๊ธˆ์•กยท๋‚ ์งœยทํ’ˆ๋ชฉ ์ž๋™ ์ž…๋ ฅ โ–ธ ์œ„์‹œ๋งต (๊ฐ€์ž๊ฐ€์ž) ํ•จ๊ป˜ ๊ฐ€๊ณ  ์‹ถ์€ ์žฅ์†Œ ์ง€๋„์— ์ €์žฅ, ๋ฐฉ๋ฌธ ์ฒดํฌ๋ฆฌ์ŠคํŠธ โ–ธ ์ „๊ตญ ๋ฐฉ๋ฐฉ๊ณณ๊ณณ ์ง€์—ญ๋ณ„ ์ถ•์ œยท์ด๋ฒคํŠธ ์ •๋ณด ๋งค์ฃผ ์—…๋ฐ์ดํŠธ โ–ธ ์™ธํ™” ์ง€์› ํ•ด์™ธ ์—ฌํ–‰ ์‹œ ์™ธํ™” ๊ฑฐ๋ž˜ ์ž๋™ ํ™˜์œจ ๋ณ€ํ™˜ โ–ธ ์นด์นด์˜ค/Apple ๋กœ๊ทธ์ธ ๊ฐ„ํŽธ ๊ฐ€์ž… + ์•ˆ์ „ํ•œ ๋ฐ์ดํ„ฐ ๋™๊ธฐํ™” [ ์ด๋Ÿฐ ๋ถ„๋“ค๊ป˜ ์ถ”์ฒœ ] - ๊ฒฐํ˜ผยท์—ฐ์• ๋กœ ๊ฐ€๊ณ„ ํ•ฉ์น˜๋Š” ๋ถ€๋ถ€/์ปคํ”Œ - ๋”ฐ๋กœ๋”ฐ๋กœ ๊ฐ€๊ณ„๋ถ€ ์“ฐ๋‹ค ์ง€์นœ ๋ถ„ - ์˜ˆ์‚ฐ ๊ณ„ํš ์„ธ์šฐ๊ณ  ํ•จ๊ป˜ ๋ชจ์œผ๊ณ  ์‹ถ์€ ๋ถ„ - ๋งค์›” ์–ด๋””์— ์–ผ๋งˆ ์ผ๋Š”์ง€ ํ•œ๋ˆˆ์— ๋ณด๊ณ  ์‹ถ์€ ๋ถ„ [ ์•ˆ์ „ํ•œ ๋ฐ์ดํ„ฐ ๋ณดํ˜ธ ] - Firebase ๋ณด์•ˆ ์ธํ”„๋ผ ์‚ฌ์šฉ - ๋ณธ์ธ ๋™์˜ ์—†์ด ๋ฐ์ดํ„ฐ ์™ธ๋ถ€ ์ œ๊ณต ์ผ์ ˆ ์—†์Œ - ์–ธ์ œ๋“  ๋ฐ์ดํ„ฐ ๋‚ด๋ณด๋‚ด๊ธฐ / ๊ณ„์ • ์‚ญ์ œ ๊ฐ€๋Šฅ ํ•จ๊ป˜ ์“ฐ๊ณ , ํ•จ๊ป˜ ๋ณด๊ณ , ํ•จ๊ป˜ ๋ชจ์•„์š”. mo:a์™€ ํ•จ๊ป˜ ๋” ๊ฐ€๊นŒ์›Œ์ง€๋Š” ์šฐ๋ฆฌ.

Screenshots

SPEND4 screens
mo4 screens

Verdict

The call

The clearest difference is update cadence: mo at daily against SPEND's every 5 days. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

SPEND ships an update every 5 days, mo daily. The most recent releases landed on November 2, 2026 and October 31, 2026 respectively.

Scorecard1 real difference ยท 7 level
SPEND versus mo: the parameters behind the verdict, then further details
ParameterSPENDmo
PriceFreeFree
Positive reviews90.0% of reviewsโ€”
Update frequencyEvery 5 daysDaily โ€” better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeโ€”
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details โ€” not scored
Size41 MB84 MB
Age rating4+4+
DeveloperJaegeun JeongBind In Co., Ltd.

In-app purchases

None

SPEND

No in-app purchases

None

mo

No in-app purchases

Questions

Is SPEND free?
SPEND is free to download, with no in-app purchases.
Is mo free?
mo is free to download, with no in-app purchases.
Do SPEND or mo have ads?
Neither SPEND nor mo shows ads.
Which is updated more often, SPEND or mo?
SPEND ships an update every 5 days, and mo daily. Most recently, SPEND was updated on November 2, 2026 and mo on October 31, 2026.

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