# Smart Spend vs MySpend

The clearest difference is in-app purchases: Smart Spend at none against MySpend's 5. Smart Spend also leads on ratings volume (257 vs 1) and update cadence (every 8 days vs every 3 weeks). MySpend's advantage is ads (none vs shown) and rating (5.0 vs 4.7). On price, monetization model and iOS requirement there is nothing between them.

Both are free to download. MySpend sells 5 in-app purchases, starting at $0.99 per 7 days. Smart Spend asks for nothing beyond the download.

MySpend holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Smart Spend has 257 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 84% of Smart Spend's written reviews are positive against 100% of MySpend's.

Smart Spend ships an update every 8 days, MySpend every 3 weeks. The most recent releases landed on October 8, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | Smart Spend | MySpend |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (257 ratings)](https://appshunter.io/ios/app/smart-spend-cost-analyzer/id1464471112/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/myspend-shared-budget-tracker/id6446052184/reviews)** |
| Number of ratings | **257** | 1 |
| Positive reviews | 83.8% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 8 days** | Every 3 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 75 MB | 45 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Scicotherapy Labs LLC](https://appshunter.io/developer/1260450873) | [Vadim Holub](https://appshunter.io/developer/1675678220) |

## What reviewers say

### Smart Spend

[App page](https://appshunter.io/ios/app/smart-spend-cost-analyzer/id1464471112)

This app helps you actively understand and transform your spending habits through hands-on learning and financial insights. It offers customized budgeting tools, engaging trivia, and advanced analysis without linking bank accounts, prioritizing your privacy. Receive daily feedback and earn rewards for improving your financial discipline.

**Highlights:** Active spending and savings tracking, Financial pattern identification, Spending knowledge trivia game, Customizable budgeting (Cash Pool, MicroBudgets), Advanced search and filter tools, Privacy-focused, no bank linking, Siri integration and iOS widgets

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 💡 Original take on budgeting
- 💡 Risk of purchase indicator
- 💡 Annual expenses tracking
- 💡 Brilliant cash pool idea
- 💡 Prioritize purchases (needs, loves, likes, wants)

**What reviewers complain about**

- ❌ Missing country currency
- 🐛 App crashes after update
- ❌ Cannot edit/delete previous entries
- ❌ No option for weekly expenses (e.g., groceries)
- ❌ Cannot edit bill information (only delete and re-enter)

**Reported bugs**

- App crashes immediately upon opening after update
- Hourly income input glitch, defaults to $45
- Cannot edit/delete previous entries
- Cannot edit bill information, only delete and re-enter

**Requested features**

- Visualize cash pool growth
- Add additional income sources (bonus, etc.)
- Ability to change savings by numbers, not just percentage
- Show difference when adding a purchase to see remaining spendable amount
- Add more themes/color options


### MySpend

[App page](https://appshunter.io/ios/app/myspend-shared-budget-tracker/id6446052184)

Effortlessly track personal or shared expenses with this finance app. It offers quick transaction logging, multiple wallet options, and customizable categories. Share specific spending categories with others via a simple link for collaborative budgeting.

**Highlights:** Quick expense logging, Multiple wallet support, Customizable spending categories, Shareable expense links, Real-time sync for shared budgets, Visual spending analytics

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

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Subscription | $0.99 | per 7 days |
| Monthly Subscription | $2.99 | per month |
| Annual Subscription | $14.99 | per year |
| Forever without Subscription | $34.99 | per 6 months |
| Forever without Subscription | $39.99 | one-time |


## Frequently asked questions

### Is Smart Spend free?

Smart Spend is free to download, with no in-app purchases.

### Is MySpend free?

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

### Which has better reviews, Smart Spend or MySpend?

MySpend is rated higher. Smart Spend averages 4.7 out of 5 from 257 ratings, while MySpend averages 5.0 from 1 ratings.

### Do Smart Spend or MySpend have ads?

Smart Spend shows ads; MySpend does not.

### Which is updated more often, Smart Spend or MySpend?

Smart Spend ships an update every 8 days, and MySpend every 3 weeks. Most recently, Smart Spend was updated on October 8, 2026 and MySpend on October 7, 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.*