# Gem vs Spending & Expense Tracker

The clearest difference is price: Spending & Expense Tracker at Free against Gem's $0.49. Spending & Expense Tracker also leads on update cadence (every 5 days vs every 4 weeks) and iOS requirement (12.0 vs 26.0). Gem's advantage is review sentiment (88% vs 72%) and chart position (#160 vs unranked). On rating, ratings volume, ads and in-app purchases there is nothing between them.

Spending & Expense Tracker is free to download; Gem costs $0.49 up front. Gem sells 4 one-off in-app purchases and Spending & Expense Tracker sells 4 in-app purchases, starting at $19.99 per year. Whichever you choose, the download price is not the number that matters.

Gem holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 89 and 37 respectively. Written reviews point the same way: 88% of Gem's written reviews are positive against 72% of Spending & Expense Tracker's.

Gem ships an update every 4 weeks, Spending & Expense Tracker every 5 days. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Gem | Spending & Expense Tracker |
| --- | --- | --- |
| Price | $0.49 | **Free** |
| Rating | **[4.8 (89 ratings)](https://appshunter.io/ios/app/gem-money-tracker/id1437054263/reviews)** | [4.6 (37 ratings)](https://appshunter.io/ios/app/spending-and-expense-tracker/id6740085856/reviews) |
| Number of ratings | **89** | 37 |
| Positive reviews | **87.9% of reviews** | 72.2% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 5 days** |
| Monetization | **Free with in-app purchases** | Subscription |
| Best chart rank | **#160** | — |
| Size | 46 MB | 77 MB |
| Requires iOS | 26.0 | **12.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Oz Pinhas](https://appshunter.io/developer/1437054262) | [Vage Alaverdian](https://appshunter.io/developer/1775977490) |

## What reviewers say

### Gem

[App page](https://appshunter.io/ios/app/gem-money-tracker/id1437054263)

**Currently charting:** #160 Top Paid · Finance (US App Store)

Track your spending, manage budgets, and organize your finances with this comprehensive money management tool. It offers detailed budgeting options, expense organization by category, and bill tracking. Automate entries with Apple Pay and import/export data for a complete financial overview.

**Highlights:** Budgeting (daily, weekly, monthly, yearly), Expense organization by category, Bill tracking and reminders, Savings goals and income tracking, Apple Pay integration for instant recording, CSV import/export, Customizable categories with icons

**Features:** Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Gem Powerpack | Free | one-time |
| Thanks tip | $0.99 | one-time |
| Amazing tip | $2.99 | one-time |
| Spectacular tip | $4.99 | one-time |


### Spending & Expense Tracker

[App page](https://appshunter.io/ios/app/spending-and-expense-tracker/id6740085856)

Manage your money with this personal finance manager. Plan budgets, track income and expenses, and grow savings with smart tools. Achieve financial freedom with easy-to-use budgeting and expense tracking.

**Highlights:** Monthly budgeting tools, Income and expense tracking, Savings growth features, Income calculator, Expense calendar, Financial insights

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Annual Premium | $19.99 | per year |
| Annual Premium, 3 days Trial | $29.99 | per year |
| Lifetime Premium | Free | one-time |
| Lifetime Premium | $79.99 | one-time |

**What reviewers like**

- 👍 Simple and convenient design
- 🚀 Quick and intuitive
- 💡 Customizable to personal preferences
- 💡 Helpful for budgeting and financial clarity
- 👍 Easy to track spending and expenses

**What reviewers complain about**

- 🐛 Disappearing categories and inability to edit
- 🐛 Lack of guidance or onboarding for new users

**Reported bugs**

- Disappearing income categories
- Inability to move categories between expense and income

**Requested features**

- Add more currency options
- Ability to convert currencies to USD
- Suggest new functionalities and features


## Frequently asked questions

### Is Gem free?

Gem costs $0.49, and also offers in-app purchases.

### Is Spending & Expense Tracker free?

Spending & Expense Tracker is free to download, with in-app purchases available.

### Which has better reviews, Gem or Spending & Expense Tracker?

Gem is rated higher. Gem averages 4.8 out of 5 from 89 ratings, while Spending & Expense Tracker averages 4.6 from 37 ratings.

### Do Gem or Spending & Expense Tracker have ads?

Neither Gem nor Spending & Expense Tracker shows ads.

### Which is updated more often, Gem or Spending & Expense Tracker?

Gem ships an update every 4 weeks, and Spending & Expense Tracker every 5 days. Most recently, Gem was updated on October 29, 2026 and Spending & Expense Tracker on October 24, 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.*