# Gem vs Spndmate

The clearest difference is price: Spndmate at Free against Gem's $0.49. Spndmate also leads on rating (5.0 vs 4.8) and review sentiment (100% vs 88%). Gem's advantage is ratings volume (89 vs 2) and chart position (#24 vs unranked). On update cadence, ads, in-app purchases and monetization model there is nothing between them.

Spndmate is free to download; Gem costs $0.49 up front. Gem sells 4 one-off in-app purchases and Spndmate sells 2 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

Spndmate holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Gem has 89 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 88% of Gem's written reviews are positive against 100% of Spndmate's.

Gem ships an update every 4 weeks, Spndmate every 2 months. The most recent releases landed on October 19, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Gem | Spndmate |
| --- | --- | --- |
| Price | $0.49 | **Free** |
| Rating | [4.8 (89 ratings)](https://appshunter.io/ios/app/gem-money-tracker/id1437054263/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/spndmate/id6757371239/reviews)** |
| Number of ratings | **89** | 2 |
| Positive reviews | 87.9% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#24** | — |
| Size | 42 MB | 58 MB |
| Requires iOS | 18.6 | **15.1** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [Oz Pinhas](https://appshunter.io/developer/1437054262) | [Abhayam Technologies LLC](https://appshunter.io/developer/1826502890) |

## What reviewers say

### Gem

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

**Currently charting:** #24 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 |


### Spndmate

[App page](https://appshunter.io/ios/app/spndmate/id6757371239)

Effortlessly track your spending by digitizing text receipts and automatically adding expenses to your spreadsheet. Gain insights into your financial habits and build lasting positive financial behaviors.

**Highlights:** Digitize text receipts, Automate spreadsheet expense entries, AI-powered expense insights, Track spending habits, Set in-app reminders, Build healthy financial habits

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Spndmate Premium - Monthly | $9.99 | per month |
| Spndmate Premium - Yearly | $29.99 | per year |


## Frequently asked questions

### Is Gem free?

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

### Is Spndmate free?

Spndmate is free to download, with in-app purchases available.

### Which has better reviews, Gem or Spndmate?

Spndmate is rated higher. Gem averages 4.8 out of 5 from 89 ratings, while Spndmate averages 5.0 from 2 ratings.

### Do Gem or Spndmate have ads?

Neither Gem nor Spndmate shows ads.

### Which is updated more often, Gem or Spndmate?

Gem ships an update every 4 weeks, and Spndmate every 2 months. Most recently, Gem was updated on October 19, 2026 and Spndmate on October 15, 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.*