Comparison

Aussie IQ vs Spending Tracker

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

Head to head
About

Aussie IQ

Access your accounts in real-time and manage your finances on the go. Features include quick logins, real-time balance viewing, immediate payments, and enhanced security notifications. You can also temporarily block cards for peace of mind.

Highlights
  • Real-time account access
  • Quick login options (4-digit, TouchID)
  • View balances without logging in
  • Immediate payments and transfers
  • Transaction notifications
  • Temporary card blocking
Features
Read full description

The new Aussie IQ app is the exciting and easy way for you to access your accounts in real time and on-the-go! Smarter features include: • 4-digit login, or TouchID (on compatible devices) for even faster access to your accounts • View the balances of accounts you choose without needing to log in • Real time balances and transaction records for each of your supported Aussie IQ accounts • Immediate payments to BPAY Billers and Funds Transfer payees, or set up someone new from within the app • Easily retrieve account information • Added security with real time notifications whenever a transaction is processed • Temporarily block your credit or debit card, giving you peace of mind if you leave your card behind • Activate and change the PIN for your debit and credit cards inside the app (please note this feature is currently only available for some customers) * For further details about the Aussie IQ app, please contact us on 1300 653 039 The app requests the following permissions: • Push notifications: Receive push notifications for transactions and activity on your account.

About

Spending Tracker

This app helps you identify and stop unnecessary spending by using zero-based budgeting. Track your expenses in real-time, build positive financial habits, and watch your net worth grow without needing to earn more.

Highlights
  • Zero-based budgeting
  • Real-time transaction logging
  • Financial Health Score
  • Spending insights and charts
  • Overspend alerts
  • Multi-category management
  • Cloud sync
Features
Read full description

Finally! A spending tracker that builds a budget FOR you. Saving money couldn’t be easier. Try for free. No bank link needed. Life’s getting harder! Thank you, Mr Politician. However… Many reports show tracking your spending can save you over $1,000 per year. That’s why I started tracking my money about a decade ago. Hi, I’m James, and I built KeepyCash :) Why? Because the big-name budgeting app I used went up to $109 per YEAR! I wanted to track my spending, clearly see where my money was going… … and stop worrying if I had enough money to pay my (ever-rising) bills. (The cost of living's gone MAD!) With two decades of software engineering under my belt, I had an obvious idea: “I’ll make my own, and make it better and cheaper.” And KeepyCash was born. You can try it for yourself, for free (more on that in a sec). It’s super-easy to use. You can track your spending only… … OR have KeepyCash build a budget FOR you! Yep. If you want a budget, we do it for you. Building a budget yourself can take hours. It can be overwhelming. Because money can get messy. Personally, I’m balancing our income, mortgage, two young kids, car payments and all the other expenses that come with a “full life”. Yet, having a simple budget and an easy way to stick to it helps me stay on top of my finances instead of them spiraling out of control. And talking of easy ways to track your spending… Pick the easiest way for you. There are 4 to choose from: - Type it in - Voice command - Scan a receipt with your camera - Take a screenshot of your bank statement (image is NOT stored - perfect privacy while tracking multiple expenses) Just do what works for you :) Now, about “trying KeepyCash for free”. I noticed many budgeting apps claiming to be free. But they all come with one of these 3 caveats: 1 - You’ll get slammed with ads 2 - It’s free for only 3 days (sometimes up to 7 days - but not long enough to make a difference) 3 - You're locked out of the features you actually want Of course, the fix to each of the above is to pay for some kind of ‘upgrade’. It’s not like that with KeepyCash. We ARE a paid app, because we’re serious about helping. However, you can try us for FREE with NO ads, completely UNRESTRICTED access, and for a FULL 30 DAYS, so you can truly find out if KeepyCash works for you, with no pressure. I thought you’d appreciate being told upfront. I know I would. What Else Can You Do With KeepyCash? - Easily track your spending, so you can keep more of what you earn - Build “tracking streaks” - a fun way to make keeping money addictive - Create a budget so you can give every dollar (or Pound or Euro) a job - Debt Tracker Mode: Use it to track your progress, save money on interest, and become debt-free - Quick-glance spending insights - You don’t need to be an accountant to read our simple charts that show you where your money is going - Overspend alerts that help you stay on track and in control - GuardianMode: Helps protect your money from repeat spending - A load of other simple and useful tools to help you get good with your money A Note About Privacy: We don’t link to your bank account. If the likes of Yahoo and Sony can get hacked, anyone can. Yet, if that happened to KeepyCash, they wouldn’t get their grubby mitts on your bank details because we don’t store them. HA! Suck on that, hackers! You can download KeepyCash right now, for free, and use it to get control of your money. And if you need help using it, I’ll be there to give you a hand. Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://www.keepycash.com/privacy.html Subscription Details KeepyCash is available as a monthly or annual subscription Payment is charged to your Apple account at confirmation of purchase Subscription auto-renews unless cancelled at least 24 hours before the end of the current period Manage or cancel anytime in your App Store Account Settings

Screenshots

Aussie IQ3 screens
Spending Tracker4 screens

Verdict

The call

The clearest difference is review sentiment: Spending Tracker at 83% against Aussie IQ's 0%. Spending Tracker also leads on update cadence (every 5 days vs every 3 months). Aussie IQ's advantage is in-app purchases (none vs 2) and iOS requirement (12.0 vs 16.4). On price, ads and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Spending Tracker sells 2 in-app purchases, starting at $19.99 per year. Aussie IQ asks for nothing beyond the download.

UpkeepUpdate frequency

Aussie IQ ships an update every 3 months, Spending Tracker every 5 days. The most recent releases landed on October 12, 2026 and October 11, 2026 respectively.

Scorecard5 real differences · 3 level
Aussie IQ versus Spending Tracker: the parameters behind the verdict, then further details
ParameterAussie IQSpending Tracker
PriceFreeFree
Positive reviews0.0% of reviews83.3% of reviews — better
Update frequencyEvery 3 monthsEvery 5 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS12.0 — better16.4
Further details — not scored
Size140 MB92 MB
Age rating4+4+
DeveloperMacquarie Bank LimitedJames Redman

Customer experience

Aussie IQ

Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Spending Tracker

Written reviews6 reviews
Positive83.3%
Neutral0.0%
Negative16.7%

In-app purchases

None

Aussie IQ

No in-app purchases

2 purchases

Spending Tracker

Subscriptions2
  • Founder Annual1 Month trial$19.991 Year
  • Yearly1 Month trial$49.991 Year

Questions

Is Aussie IQ free?
Aussie IQ is free to download, with no in-app purchases.
Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Do Aussie IQ or Spending Tracker have ads?
Neither Aussie IQ nor Spending Tracker shows ads.
Which is updated more often, Aussie IQ or Spending Tracker?
Aussie IQ ships an update every 3 months, and Spending Tracker every 5 days. Most recently, Aussie IQ was updated on October 12, 2026 and Spending Tracker on October 11, 2026.

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