Comparison

My treasury vs Smart Budget

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

Head to head
About

My treasury

Easily track all your expenses and incomes, set spending goals, and get reminders for bills. Analyze your budget with detailed reports and secure your financial data with backups.

Highlights
  • Track expenses and incomes
  • Create custom categories
  • Set and monitor spending goals
  • Bill payment reminders
  • Budget analysis and reports
  • Secure access and backups
Features
Read full description

My treasury helps you stay on top of everyday home finances without the mess of notes, spreadsheets, and paper receipts. TRACK EXPENSES AND INCOME IN SECONDS - add transactions even faster with a refreshed, more ergonomic form, - use categories, tags, notes, and smart suggestions, - create new tags while adding a transaction or later in settings, - manage as many accounts as you need: cash, bank account, savings, and more, - work with different currencies, - share accounts with a trusted person or another device in Premium. STAY IN CONTROL OF YOUR BUDGET AND BILLS - use tags to group expenses and income around your own themes, - set monthly spending limits, - track progress toward your goals, - get alerts when you get close to your limits, - create one-off and recurring bill reminders, - set your payday and analyze your budget on your own cycle. SEE WHERE YOUR MONEY GOES - review spending history by category, - analyze monthly and yearly results also by tags, - get insights on unusual expenses, - compare periods side by side, - check all account balances in one place, - export transactions to CSV for deeper analysis. FIND ANY TRANSACTION FAST - search by description, tags, note, date, category, and more, - go back to older expenses without digging through history manually. KEEP YOUR DATA SAFE - protect the app with an access code, - create backups and restore data when you change phones, - save backups wherever you want, including the cloud. You start with a ready-to-use account and sample categories, so you can begin right away. Adding a new expense takes only a moment, and tags, smart suggestions, and the refreshed form make everyday tracking even faster. TERMS AND CONDITIONS The app is free and ad-free. In the free version, you can use all core features and create up to three tags. In the Premium version, available as a subscription, you can additionally share accounts with other users or on your other devices, use cash flow analytics beyond the current month, and create unlimited tags. To use the Premium version, you need to purchase a subscription by going to Settings -> Subscriptions in the menu. The subscription renews automatically. In the case of renewal, the account is charged within 24 hours before the end of the subscription period. To avoid renewal, you must cancel the subscription at least 24 hours before the end of its expiration. Full terms and conditions of the My treasury application: https://dartu.app/en/my-treasury/tc

About

Smart Budget

Features
Read full description

SmartBudget to nowoczesna aplikacja do zarządzania budżetem osobistym, stworzona z myślą o użytkownikach mobilnych. Dzięki niej łatwo kontrolujesz swoje finanse, śledzisz dochody i wydatki, organizujesz transakcje według kategorii oraz planujesz miesięczne limity. W SmartBudget masz dostęp do przejrzystego dashboardu, gdzie od razu widzisz swój aktualny bilans i ostatnie operacje. Dodawanie nowych transakcji jest szybkie i intuicyjne — wystarczy wpisać kwotę, wybrać kategorię oraz opisać wydatek lub przychód. Wszystkie operacje można przypisać do wybranych kategorii, ustalając własne limity i oznaczając wydatki niezbędne, co pomaga lepiej panować nad budżetem. Aplikacja pozwala na korzystanie z różnych walut i obsługuje elastyczne typy transakcji, co sprawia, że jest dopasowana do indywidualnych potrzeb. Dzięki lokalnej bazie danych wszystkie dane przechowywane są bezpiecznie na urządzeniu użytkownika. Dodatkowo SmartBudget oferuje możliwość wizualizacji trendów wydatków (funkcjonalność planowana w kolejnych wersjach), co pozwoli jeszcze skuteczniej analizować i kontrolować swoje finanse w dłuższej perspektywie.

Screenshots

My treasury4 screens
Smart Budget3 screens

Verdict

The call

The clearest difference is in-app purchases: Smart Budget at none against My treasury's 6. My treasury's advantage is update cadence (every 11 days vs every 5 weeks). On price, ads, device support and iOS requirement 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. My treasury sells 4 in-app purchases, starting at $2.99 per month. Smart Budget asks for nothing beyond the download.

UpkeepUpdate frequency

My treasury ships an update every 11 days, Smart Budget every 5 weeks. The most recent releases landed on October 24, 2026 and October 6, 2026 respectively.

Scorecard2 real differences · 8 level
My treasury versus Smart Budget: the parameters behind the verdict, then further details
ParameterMy treasurySmart Budget
PriceFreeFree
Rating4.5 (21 ratings) — better—
Positive reviews60.3% of reviews—
Number of ratings21 — better—
Update frequencyEvery 11 days — betterEvery 5 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size71 MB37 MB
Age rating4+4+
DeveloperDariusz RutkowskiMateusz Hermanowicz

In-app purchases

4 purchases

My treasury

Subscriptions4
  • Premium - 1 month14 Days trial2 variants$2.991 Month
  • Premium - 1 month14 Days trial$3.991 Month
  • Premium - 12 months14 Days trial2 variants$17.991 Year
Show 1 more
  • Premium - 12 months14 Days trial$34.991 Year
None

Smart Budget

No in-app purchases

Questions

Is My treasury free?
My treasury is free to download, with in-app purchases available.
Is Smart Budget free?
Smart Budget is free to download, with no in-app purchases.
Do My treasury or Smart Budget have ads?
Neither My treasury nor Smart Budget shows ads.
Which is updated more often, My treasury or Smart Budget?
My treasury ships an update every 11 days, and Smart Budget every 5 weeks. Most recently, My treasury was updated on October 24, 2026 and Smart Budget on October 6, 2026.

Other comparisons