Comparison

Spendle vs SpendWave Expense tracker App

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

Head to head
About

Spendle

Features
Read full description

Instant insight Spendle gives you instant insight in your income and spending behavior. You can import CSV or Excel transaction files from different bank accounts and transform them into a single financial overview. Automatic PSD2 connection Connect to your bank account via a secured PSD2 bank connection or import your transaction files. Keeping track Assign budgets to keep track of your income/spending categories and see what's left at the end of the year. Importing bank statements You can add manual transactions or import any valid excel or CSV transaction file from your bank. Just open the transactions file via the import section and start the import wizard to add your own format. Share any new bank formats to help Spendle's default supported bank formats grow daily. Contracts and receipts in 1 place Store invoices, contracts and receipts in your administration. Just take a picture or open a PDF file, press share button and open it with Spendle. Sync between devices Register and login to your Spendle sync your data between your PC, tablet and phone. Security Your administration is stored AES-256 encrypted with your administration password. Conditions Terms of Use (EULA): https://www.spendle.com/eula.html Privacy policy: https://www.spendle.com/privacy.html Turn that handle Spendle is free to try for 14 days. After the trial period you need a yearly subscription to continue using Spendle as your personal finance app.

About

SpendWave Expense tracker App

Easily manage your income and expenses with this personal finance companion. Track spending, set savings goals, and gain insights with detailed analyses and a financial calendar. Securely organize your money across different accounts and currencies.

Highlights
  • Multiple accounts and currencies
  • Quick transaction recording
  • Financial calendar overview
  • Customizable spending categories
  • Savings goal tracking
  • Detailed financial analysis
  • Data encryption for security
Features
Read full description

SpendWave - Your personal income and expenditure manager Keeping your finances under control is easy with the SpendWave - your ultimate companion for effective household management! Say goodbye to unnecessary stress and hello to financial clarity. Whether you want to keep track of your personal expenses, meet savings goals, or just want to stay on top of your finances, SpendWave is the solution you've been looking for. Features that make the SpendWave stand out: - Accounts and currencies: Easily create different accounts in any currency - be it your checking account, your credit card or your savings account. Manage your money in the currency that is most relevant to you. - Transactions in no time: record all your income and expenses with just a few clicks. Add details like amount, category, and notes to keep track. - Financial calendar: Our intelligent financial calendar shows you clearly on which days income and expenses are planned. This will help you better prepare for financial peaks and troughs. - Categories for better organization: create individual categories to best sort your transactions. Whether it's groceries, rent, entertainment or travel - you always keep an eye on where your money goes. - Define savings goals: set financial goals and track your progress towards them. SpendWave helps you make your dreams come true. - Detailed analyses: Get real-time insights into your financial situation. Graphs and charts show you how and where you spend your money to make smarter decisions. - Security first: Your data is important to us. SpendWave protects your sensitive information with state-of-the-art encryption technology. Whether you want to minimize your expenses, save for the future, or just want to stay on top of things - SpendWave is the app you can count on. Download SpendWave today and start your journey to financial freedom! Please note that SpendWave is a personal finance tracking app and is not a substitute for professional financial advice. Whenever major financial decisions are involved, we recommend consulting an expert.

Screenshots

Spendle4 screens
SpendWave Expense tracker App4 screens

Verdict

The call

The clearest difference is update cadence: SpendWave Expense tracker App at fortnightly against Spendle's monthly. Spendle's advantage is iOS requirement (15.0 vs 17.6). On price, ads, in-app purchases 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. Spendle sells 2 one-off in-app purchases and SpendWave Expense tracker App sells 4 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Spendle ships an update monthly, SpendWave Expense tracker App fortnightly. The most recent releases landed on October 10, 2026 and October 9, 2026 respectively.

Scorecard2 real differences · 8 level
Spendle versus SpendWave Expense tracker App: the parameters behind the verdict, then further details
ParameterSpendleSpendWave Expense tracker App
PriceFreeFree
Rating—4.8 (9 ratings) — better
Positive reviews—70.0% of reviews
Number of ratings—9 — better
Update frequencyMonthlyFortnightly — better
AdsNoNo
In-app purchasesYesYes
Monetization—Freemium
DevicesiPhone, iPad, iPodiPhone, iPad, Mac, Apple Watch — better
Requires iOS15.0 — better17.6
Further details — not scored
Size35 MB19 MB
Age rating4+4+
DeveloperJochem SoberingRobin Guido Schmidt

In-app purchases

2 purchases

Spendle

One-time2
  • Spendle 1 Year$17.99
  • Spendle 1 Year$19.00
4 purchases

SpendWave Expense tracker App

Subscriptions3
  • SpendWave+ Monthly3 Days trial$0.991 Month
  • SpendWave+ Monthly7 Days trial$1.991 Month
  • SpendWave+ Yearly7 Days trial$14.991 Year
One-time1
  • SpendWave+ one-time purchase$29.99

Questions

Is Spendle free?
Spendle is free to download, with in-app purchases available.
Is SpendWave Expense tracker App free?
SpendWave Expense tracker App is free to download, with in-app purchases available.
Do Spendle or SpendWave Expense tracker App have ads?
Neither Spendle nor SpendWave Expense tracker App shows ads.
Which is updated more often, Spendle or SpendWave Expense tracker App?
Spendle ships an update monthly, and SpendWave Expense tracker App fortnightly. Most recently, Spendle was updated on October 10, 2026 and SpendWave Expense tracker App on October 9, 2026.

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