Budgets vs Tracky
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Budgets
Easily manage your finances by setting up budgets, tracking spending, and syncing with your bank accounts. Prioritize savings and stay out of debt with tools to monitor your balances and transfer funds between budgets.
- Setup budgets quickly
- Sync with bank accounts
- Track budget balances
- Transfer balance between budgets
- Access on mobile and web
- Secure data encryption
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Your money is moving. See where it’s going and what you could do differently. Budgets brings your spending, bills, and monthly plan together so you can make everyday money decisions with a clearer picture. Understand what’s already spoken for, find spending you could adjust, and make room for what matters to you. START WITH YOUR REAL LIFE Connect your bank and credit card accounts to build a starting plan from your income and spending. Review the suggestions and make them yours. You have something real to work from, instead of a blank budget. SEE WHERE YOUR MONEY GOES Bring transactions together, organize them into categories, and see how your spending compares with your plan. From groceries to dining out, get a clearer view of the choices adding up throughout the month. FIND ROOM FOR WHAT MATTERS Look at your everyday spending and recurring charges to decide what you want to keep and what you could change. Put those choices into a plan that reflects your priorities whether that’s a future trip, a savings cushion, or more room for everyday life. KEEP UPCOMING BILLS IN VIEW With enough account history, Budgets can identify recurring paychecks, bills, and subscriptions. See expected charges alongside your spending so they’re part of the picture when you plan. KEEP YOUR PLAN CURRENT Connected accounts bring in new transactions as they become available. Review your activity and adjust your plan as life changes. Prefer to start manually? Add custom accounts and build your own budget. Connected accounts are read-only. Budgets never moves your money. You decide what changes. Spend well. Save what matters.
Tracky
Easily manage your finances by tracking expenses and creating custom budgets. Allocate funds into categories like groceries or hobbies, and monitor your remaining balance with automatic calculations. Securely manage your money without linking bank accounts.
- Create and manage budgets
- Track expenses with custom categories
- Automatic remaining budget calculation
- Notifications for budget progress
- Expense history and analysis
- Recurring budget options
- iCloud sync across devices
- Home and lock screen widgets
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Tracky: Simple Budget Tracker is the simplest and fastest app to manage your budgets, track your expenses, and save money on the go. Take control of your budget by allocating your expenses into different envelopes such as groceries, salary, fuel, hobbies, shopping, vacations, and more. Whether it's recurring expenses or special events, Tracky lets you track your monthly or one-time budgets. Track your expenses and make the most of your savings with Tracky’s automatic calculation of your remaining budget. This fast and easy budget tracking tool is suitable for everyone, regardless of their expertise in budget management. Rest assured, Tracky doesn't require any connection to your bank account, ensuring your data and privacy remain secure. Why should you use Tracky: Simple Budget Tracker? - Quick and easy - Free - Allocate your budget - Track your expenses - Enjoy your savings - No sign-up or login required - No bank account needed - Private & secure: we don't collect your data, it's safe for you - Automatic iCloud sync to share data across multiple devices logged in to the same iCloud account === TRACKY: SIMPLE BUDGET TRACKER FEATURES === - Create and manage your budgets - Add and customize your operations: name, amount, date, icon, color - Automatic calculation of your remaining budget - Stay informed about your budget's progress with notifications - Keep a history of your expenses - Save time by reusing recurring budgets - Easily share your data across multiple devices logged in to the same iCloud account - Widgets: instantly monitor your budget from your lock screen and home screen How to use Tracky: Simple Budget Tracker: 1. Create a budget and give it a name (e.g., "July") 2. Define and customize your envelopes (e.g., "Groceries," "Fuel," "Hobbies") 3. Add your expenses to the envelopes 4. Enter the expense name and amount 5. Personalize the expense by selecting an icon and color 6. Continue adding your expenses as you go, and Tracky will calculate the remaining budget As you can see, Tracky: Simple Budget Tracker is incredibly simple and fast to use. It's the perfect solution for tracking your expenses and budgets without wasting time on understanding the app or linking your bank account, which could compromise your data. Managing your expenses has never been easier, faster, and more efficient. Easily set and monitor your monthly or one-time budgets. Modify them anytime to adapt to your financial situation. Track your expenses accurately and identify areas where you can save. Dive into the detailed expense history for a deeper analysis of your spending habits. Identify trends, strengths, and areas for improvement to optimize your budget. Tracky is the easiest and most convenient app to track your budgets, so what are you waiting for? Download Tracky: Simple Budget Tracker now! *** Our app is FREE to use. However, you can become premium with in-app purchases. You'll have unlimited budgets, envelopes, and expenses, and no ads will be displayed to ensure optimal user experience. All prices are in euros (EUR). Prices in other currencies and countries may vary depending on the country of residence. Thank you for using Tracky: Simple Budget Tracker. Support us by sharing the app with your loved ones and giving us a 5-star rating on the App Store. Your support will enable us to continue improving the app and provide you with an even better financial management experience. Privacy Policy: https://lowly.notion.site/Privacy-Policy-364375656a694f7f9ec206cc001c899c?pvs=4 Terms & Conditions: https://lowly.notion.site/Terms-Conditions-0debe53270c3403fad1926e3ea0abcbd?pvs=4
Screenshots
Verdict
The clearest difference is in-app purchases: Budgets at none against Tracky's 21. Budgets also leads on ads (none vs shown) and rating (5.0 vs 4.6). Tracky's advantage is update cadence (every 2 weeks vs every 3 months) and ratings volume (124 vs 10). On price 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
Both are free to download. Tracky sells 15 in-app purchases, starting at $1.99 per month. Budgets asks for nothing beyond the download.
Budgets holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Tracky has 124 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 100% of Budgets's written reviews are positive against 85% of Tracky's.
Budgets ships an update every 3 months, Tracky every 2 weeks. The most recent releases landed on October 7, 2026 and October 25, 2026 respectively.
| Parameter | Budgets | Tracky |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (10 ratings) — better | 4.6 (124 ratings) |
| Positive reviews | 100.0% of reviews — better | 84.8% of reviews |
| Number of ratings | 10 | 124 — better |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 7 MB | 87 MB |
| Age rating | 4+ | 4+ |
| Developer | Derek Wene | Adrien Carvalot |
Customer experience
Budgets
Tracky
Bugs and requests
Budgets
Not enough reviews yet to summarise bugs or requests.
Tracky
Reported bugs
8 issues- App opens to wrong month despite correct title display
- Requires multiple swipes to navigate to current month
- Entries disappear when switching networks
- App doesn't always open to the correct page
- Premium mode requires frequent reactivation
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- Inability to create new expenses without premium after 5 entries
- Ads require multiple views before input saves on poor connections
- Transactions load incorrectly until envelope is clicked and exited
Requested features
17 requests- Monthly visual reset for progress bars while maintaining history
- Mac/desktop application version
- Ability to reset envelopes monthly without creating new budgets
- Budget sharing feature for couples and shared accounts
- Planned/future expense tracking with adjusted balance view
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- Transfer functionality between envelopes
- Direct income allocation without envelope requirement
- More transaction icons (currently limited to ~20-30)
- Additional color options
- Due date functionality for envelopes
- Quick-add expense widget
- View all transactions under a budget organized by date
- Ability to delete all expenses in an envelope at once
- Custom initial budget amount display instead of net balance
- Bank transaction reconciliation/check-off system
- Toggle between spent and remaining amount display
- Archive functionality for monthly expenses
In-app purchases
Budgets
No in-app purchases
Tracky
- Premium3 Days trial3 variants$1.991 Month
- Premium7 Days trial$2.991 Month
- Premium$2.991 Month
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- Premium2 variants$4.991 Month
- Premium7 Days trial$14.991 Year
- Premium7 Days trial2 variants$19.991 Year
- Premium7 Days trial2 variants$29.991 Year
- Premium$1.99
- Premium$2.99
- Premium$4.99
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- Premium$8.99
- Premium$17.99
- Premium$29.99
- Premium$39.99
- Premium2 variants$49.99









