# Budgets vs Tracky

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.

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.

## The numbers

| Metric | Budgets | Tracky |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (10 ratings)](https://appshunter.io/ios/app/budgets/id1465949773/reviews)** | [4.6 (124 ratings)](https://appshunter.io/ios/app/tracky-simple-budget-planner/id1663043762/reviews) |
| Number of ratings | 10 | **124** |
| Positive reviews | **100.0% of reviews** | 84.8% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 7 MB | 87 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Derek Wene](https://appshunter.io/developer/1465949772) | [Adrien Carvalot](https://appshunter.io/developer/1498484091) |

## What reviewers say

### Budgets

[App page](https://appshunter.io/ios/app/budgets/id1465949773)

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.

**Highlights:** Setup budgets quickly, Sync with bank accounts, Track budget balances, Transfer balance between budgets, Access on mobile and web, Secure data encryption

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

**In-app purchases:** none


### Tracky

[App page](https://appshunter.io/ios/app/tracky-simple-budget-planner/id1663043762)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Family Sharing, Siri integration, Vision Pro support

**In-app purchases (15)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $1.99 | per month |
| Premium | $2.99 | per month |
| Premium | $2.99 | per month |
| Premium | $4.99 | per month |
| Premium | $14.99 | per year |
| Premium | $19.99 | per year |
| Premium | $29.99 | per year |
| Premium | $1.99 | one-time |
| Premium | $2.99 | one-time |
| Premium | $4.99 | one-time |
| Premium | $8.99 | one-time |
| Premium | $17.99 | one-time |
| Premium | $29.99 | one-time |
| Premium | $39.99 | one-time |
| Premium | $49.99 | one-time |

**What reviewers like**

- 👍 Simple and intuitive user interface
- 🎨 Clean, modern, and visually appealing design
- 💰 Affordable pricing with lifetime premium option
- 📱 Excellent widget and home screen integration
- 🎯 Effective envelope budgeting system

**What reviewers complain about**

- 🐛 Navigation bug: app loads wrong month's envelopes
- 💾 Data loss when switching devices without backup
- 🔄 Sync issues causing entries to disappear on network changes
- 📱 Not available for Mac/desktop
- 💳 Paywall appears frequently in free version

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is Budgets free?

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

### Is Tracky free?

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

### Which has better reviews, Budgets or Tracky?

Budgets is rated higher. Budgets averages 5.0 out of 5 from 10 ratings, while Tracky averages 4.6 from 124 ratings.

### Do Budgets or Tracky have ads?

Tracky shows ads; Budgets does not.

### Which is updated more often, Budgets or Tracky?

Budgets ships an update every 3 months, and Tracky every 2 weeks. Most recently, Budgets was updated on October 7, 2026 and Tracky on October 25, 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.*