PocketMoney vs Accounts 3 Lite
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PocketMoney
This app helps you manage your personal finances by tracking income and expenses, scheduling bills, and monitoring investments. It offers features like automatic bank downloads, multi-currency support, and detailed reporting to improve your financial health.
- Automatic transaction download
- Unlimited accounts and categories
- Bill scheduling and recurring transactions
- Investment and stock portfolio monitoring
- Customizable reports and charts
- Password and biometric protection
- Multi-currency support
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With 26 years’ history, 1 million total downloads and about ¼ of a million users worldwide, PocketMoney is one of the most used budgeting and personal financial apps in the App Store! Find out why AppAdvice.com said about the former PocketMoney: “The app is easy to use that in fact, it is fast-becoming my most-used app on my iPad.” PocketMoney has been fully rewritten and it is now the most advanced personal financial manager in the store, with the highest amount of features to manage your money like a PRO! PocketMoney can track thousands of transactions through many years of financial data with no performance loss. PocketMoney lets you track your income and expense, your cash flow, understand your net worth, schedule your bills, create budgets, monitor your stock portfolio and investments, show you where you spend the most, manage the accounts of a small business and improve the overall health of your finances. PocketMoney works on iPhone, iPad, and Mac OS. Main features: - NEW: Automatic transactions download from banks and financial institutions, so you don’t have to create transactions manually anymore. This feature is supported only in certain countries (*) - Unlimited number of accounts (checking, credit cards, savings, retirement, PayPal, Bitcoin, Cryptocurrencies, investments and more), categories and transactions - Simple, recurring and advanced transaction’s entry process with autocomplete funcitonalities - Multiple ways to filter, order, mark and highlight transactions - Multiple transaction’s editing - Manage complex account transfers and splits - Set planned and recurring transactions - Multi-currency support - Password protection (support regular passwords, Face ID on iOS and Touch ID on iOS and Mac OS) - Create budgets to keep track of your cash flow - Input photo receipts - Reconcile accounts - Apple Watch app - Manage shared expenses - Create tailor made reports and charts with a powerful rule engine - Create charts - Create simple and complex rules to automate the transaction input - Monitor your stock portfolio and all your assets - Import transactions from the following formats: QIF (Quicken), OFX, CSV, XML and JSON - Automatic Synchronization between iPhone / iPad and Mac using iCloud or Dropbox, or your local network through an integrated web interface - Use your own customised icons for the account - Available in English, French, Spanish, Catalan, Italian, German and Japanese Plans: FREE with advertising SILVER: - Remove the majority of the advertising (no advertising in accounts and transactions, minor advertising only for secondary advanced features). GOLD: - All the features of SILVER - Remove ALL the advertising - Use the MacOS desktop application (available on the Mac App Store) - Enable the professional features (you can manage your small business accounts, create multiple companies, manage clients, create invoices and handle taxes creating tax reports) - Receive advanced support (in English) PREMIUM: - All the features of GOLD - Automatically download transactions from banks and financial institutions (*). (*) This feature is only available for users with a bank in the following countries: USA, Australia, Canada, Colombia, Hong Kong, India, Malaysia, Mexico, New Zealand, Netherlands, Singapore, South Africa, Thailand, UAE, and provided that the bank is covered by the service (it is possible to check inside the app before subscribing)." https://www.pocketmoney.com/terms-of-use/
Accounts 3 Lite
This app offers a convenient digital alternative to a paper checkbook for tracking daily finances. It allows users to schedule transactions, transfer funds, capture photo receipts, reconcile accounts, and generate reports and graphs.
- Schedule recurring transactions
- Capture photo receipts
- Reconcile accounts
- Generate reports and graphs
- Export data in CSV, QIF, HTML
- Split transactions
- Transfer funds between accounts
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Accounts 3 Lite is an easy to use application to replace your paper checkbook. With the Accounts 3 Lite application, you will have a quicker and more convenient way to track your daily finances. You can schedule transactions, transfer funds, capture photo receipts, reconcile, export data, view reports, graphs, and much more. * If you like this app, then please support us with a positive rating. Thank you! FEATURES * Touch and Face ID Support Use Touch ID to authenticate and launch the app quicker and more conveniently. * Optimized for Multitasking and Retina Display Supports fast app switching and higher resolution Retina display. * Universal Binary Designed for iPhone, iPhone Duo, and iPad devices. No need to buy separate apps for each device. * Graphs and Reports Review your monthly income vs. expense, spending by category, or income by category summaries with beautiful graphs and reports. * AirPrint Support Print reports directly from your iPhone or iPad (that have multitasking capability) to any AirPrint-enabled printer. * Photo Receipts Capture and store photo receipt as part of a transaction. * Search Quickly search for transactions and edit them from the same screen. * Recurring Transactions Schedule transactions to repeat weekly, biweekly, monthly, semimonthly, quarterly, biannually, or yearly on a start date that you choose. * Reconcile Transactions Reconcile by checking off cleared transactions and comparing the actual and outstanding balances against a bank statement. Accounts 3 now includes a running total for even easier reconciliation. * Split Transactions Split a transaction among several categories for more precise tracking. * Transfers Make a one-time transfer between accounts or set up recurring transfers to automatically repeat. * Multiple Accounts Track as many accounts as you need. * Export in CSV, QIF & HTML Formats Export transactions via email attachments for used with desktop applications such Numbers, Excel, or MS Money. * Description, Category, Memo, and Check # Fields All the necessary fields to track your transactions. * Smart Autocomplete As you type, a list will show you your previously entered descriptions and corresponding category. Selecting an entry from the list will fill both fields of the transaction. * Auto-increment Check # Field Accounts 3 will suggest the next check number for you based on the previously entered number. If you replace your checkbook, just enter the new starting number and Accounts 3 will auto-increment from there. * Customization Settings & Themes Configurable settings and themes to customize the Accounts 3 application based on your preferences. * Transaction Sorting/Hiding Sort transactions by date in either ascending or descending order. You can also hide reconciled transactions to keep your current list from being cluttered. * Accounts Reordering Reorder the accounts from the account list in any order you choose. * Accounts Delete Lock Prevents accidental deletion of all the transactions under an account. * Backup / Restore Backup your data to your computer for safekeeping. Then restore it to your device when you need to via email or iTunes file sharing interface. * Passcode Security Keep your accounts information private. * Sync Data via iCloud Sync your data across iPhone, iPad, and iPod Touch devices (available when upgraded to full version) * Accounts 3 Lite is limited to 100 transactions. At anytime, you can transfer all your data to the Full version by touching on the 'Export to Full Version' button from the Settings screen.
Screenshots
Verdict
The clearest difference is rating: Accounts 3 Lite at 4.7 against PocketMoney's 3.7. Accounts 3 Lite also leads on in-app purchases (none vs 6) and ads (none vs shown). PocketMoney's advantage is device support (4 vs 2) and iOS requirement (13.0 vs 26.0). On price, ratings volume and update cadence there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. PocketMoney sells 6 in-app purchases, starting at $0.99 per month. Accounts 3 Lite asks for nothing beyond the download.
Accounts 3 Lite holds the better App Store score, 4.7 against 3.7. Both are backed by a comparable volume of ratings — 649 and 225 respectively. Written reviews point the same way: 28% of PocketMoney's written reviews are positive against 47% of Accounts 3 Lite's.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.
| Parameter | PocketMoney | Accounts 3 Lite |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (649 ratings) | 4.7 (225 ratings) — better |
| Positive reviews | 27.5% of reviews | 46.8% of reviews — better |
| Number of ratings | 649 — better | 225 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad |
| Requires iOS | 13.0 — better | 26.0 |
| Further details — not scored | ||
| Size | 53 MB | 10 MB |
| Age rating | 4+ | 4+ |
| Developer | PocketMoney GmbH | SVT Software |
Customer experience
PocketMoney
Accounts 3 Lite
User reviews
PocketMoney
From 649 App Store ratingsWhat we love
- 🚀 Flawless
- 👍 Great app
- 👍 Excellent app
- 👍 Fantastic app
- 👍 Powerful features
Room to improve
- 🐛 Ads even with paid subscription
- 🐛 Ads in paid version
- 🐛 Ads despite paid subscription
- 🐛 Difficult to use
- 🐛 Cluttered interface
Accounts 3 Lite
From 225 App Store ratingsWhat we love
- 👍 Easy to use checkbook register
- 👍 Helpful for personal finance
- 👍 Good for simple tracking
- 👍 Keeps all budget information
- 👍 Works well for personal needs
Room to improve
- 😠 Persistent pop-ups
- 😠 Forceful upgrade prompts
- 😠 No sub-accounts
- 😠 Recurring charges not included in total outstanding
- 😠 Sync issues causing data loss
Bugs and requests
PocketMoney
Reported bugs
5 issues- Sync issues
- Crashes on certain actions
- Inability to restore data from backups
- Errors during data migration
- Inconsistent behavior across devices
Requested features
7 requests- Bring back old version
- Restore previous functionality
- Improve UI and UX
- Add option to remove ads permanently
- Improve transaction management
Show 2 moreShow fewer
- Enhance budgeting features
- Improve reporting and export options
Accounts 3 Lite
Reported bugs
4 issues- Pop-ups for paid versions
- Sync issues deleting transactions
- Recurring transaction memos not updating correctly
- Recurring screen starting date/time squished
Requested features
15 requests- Add total outstanding balance with recurring charges
- Import PDF files for checks
- Add sub-accounts
- Add PDF support for checks
- Add recurring transfers between accounts
Show 10 moreShow fewer
- Schedule recurring transactions on a specific date
- Hide specific accounts from main view
- Clear delineation between past and future transactions
- Option to turn off auto check number
- Fix recurring screen starting date/time issue
- Import QIF or CSV files
- Allow changing memo on recurring transfers without re-creation
- Manually pay monthly bills instead of automatic
- Recurring transactions that shift date for weekends/holidays
- Option to select app icon color
In-app purchases
PocketMoney
- Silver Subscription$0.991 Month
- Gold Subscription$2.991 Month
- Premium Subscription$3.991 Month
Show 3 moreShow fewer
- Silver Subscription$9.991 Year
- Gold Subscription$29.991 Year
- Premium Subscription$39.991 Year
Accounts 3 Lite
No in-app purchases
Questions
Is PocketMoney free?
Is Accounts 3 Lite free?
Which has better reviews, PocketMoney or Accounts 3 Lite?
Do PocketMoney or Accounts 3 Lite have ads?
Which is updated more often, PocketMoney or Accounts 3 Lite?
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