# Ongo PayTrack vs SpentyAI

The clearest difference is in-app purchases: Ongo PayTrack at none against SpentyAI's 5. Ongo PayTrack also leads on iOS requirement (13.0 vs 17.0). SpentyAI's advantage is update cadence (every 5 days vs every 12 months). On price, ads and device support there is nothing between them.

Both are free to download. SpentyAI sells 5 in-app purchases, starting at $1.99 per month. Ongo PayTrack asks for nothing beyond the download.

Ongo PayTrack ships an update every 12 months, SpentyAI every 5 days. The most recent releases landed on October 1, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | Ongo PayTrack | SpentyAI |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 12 months | **Every 5 days** |
| Monetization | — | Free with in-app purchases |
| Size | 15 MB | 14 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [India Transact Services Limited](https://appshunter.io/developer/1079422556) | [Akshay Chouhan](https://appshunter.io/developer/1884294395) |

## What reviewers say

### Ongo PayTrack

[App page](https://appshunter.io/ios/app/ongo-paytrack/id1456732809)

**In-app purchases:** none


### SpentyAI

[App page](https://appshunter.io/ios/app/spentyai/id6762543155)

This AI-powered finance assistant simplifies bookkeeping for individuals and small businesses. It automates transaction entry, tracks recurring payments, and provides financial insights through natural language interaction. Generate professional invoices and analyze spending patterns with ease.

**Highlights:** AI-powered transaction entry via natural language, Automatic detection of transactions from email and SMS, Recurring payment and subscription tracking, AI-driven bank reconciliation, Cross-device synchronization, Smart financial dashboard and projections, Professional GST invoice generation

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

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpentyAI Monthly | $1.99 | per month |
| SpentyAI Quarterly | $3.99 | per 3 months |
| SpentyAI Yearly | $14.99 | per year |
| SpentyAI Lifetime Offer | $49.99 | one-time |
| SpentyAI Lifetime | $99.99 | one-time |


## Frequently asked questions

### Is Ongo PayTrack free?

Ongo PayTrack is free to download, with no in-app purchases.

### Is SpentyAI free?

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

### Do Ongo PayTrack or SpentyAI have ads?

Neither Ongo PayTrack nor SpentyAI shows ads.

### Which is updated more often, Ongo PayTrack or SpentyAI?

Ongo PayTrack ships an update every 12 months, and SpentyAI every 5 days. Most recently, Ongo PayTrack was updated on October 1, 2026 and SpentyAI on September 30, 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.*