Comparison

Monthly Spending Tracker vs Simple Budget

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

Head to head
About

Monthly Spending Tracker

This personal finance app helps you monitor your monthly expenses by recording transactions, categories, dates, and payees. Set a budget limit and receive alerts as you approach it. View your spending history by month and generate expense reports.

Highlights
  • Track monthly spending
  • Record transactions, categories, dates, payees
  • Set monthly budget limits
  • Receive budget alerts
  • View monthly transactions
  • Generate expense reports
Features
Read full description

Monthly Spending Tracker is a personal finance app that helps you track your monthly spending habits. Whenever you spend money, enter the transaction into monthly spending tracker. The app records the transaction, the category (what type of expense it is), the date and the payee. With Monthly Spending Tracker, staying within your monthly budget is simple. The app allows you to set a monthly spending limit, and will warn you when your spending reaches your budget. You can also view all of your transactions by month, and even print out monthly expense reports.

About

Simple Budget

This financial tool simplifies budgeting using the envelope system with digital enhancements. Manually track expenses, gain powerful insights into spending habits, and forecast future financial scenarios to grow your savings. Access your budget across devices with phone number sign-up.

Highlights
  • Envelope budgeting system
  • Manual transaction entry
  • Spending insights and analysis
  • Budget calculator
  • Cross-device access
  • Transaction export
Features
Read full description

Simple Budget is a financial tool to simplify your budgeting needs. It is based on the envelope budgeting system, with some digital enhancements. Enter your transactions and utilize our powerful insights to understand where your money is going, and how you can grow your savings. Signing up is as easy as getting a text message. Use your phone number to access your budget across multiple devices. TRACK YOUR SPENDING Adding a transaction takes only seconds to complete. You can add your expense before you've even left the drive through. Transactions are entered manually to allow for the greatest transparency. Enhance your budget even more by linking your transactions to categories and accounts. POWERFUL INSIGHTS Growing your savings starts with understanding how much money you make, how much you spend, and how much you have leftover. Our insights help you get clarity on this, allowing you to refine your budget over time and maximize your savings potential. This includes how your money is spent across categories (or envelopes), how it compares to your income and your expected spending power, your annual savings by month, and more! LEARN FROM YOUR SPENDING Look at how your spending has changed month to month, so you can see how future spending will look. You can view your spending history over the past year to see where you can save and where you're spending too much. YOUR DATA - SAFE & SECURE Simple Budget does not link to your bank accounts, meaning your data is added manually. This helps keep the app, and your financials, safe and secure. However, the real reason we don't link to your bank accounts is to increase financial transparency. If the app does everything automatically for you, there's less reason to check on things yourself. Keeping it manual means you're going to be fully aware of every transaction you make. You can also export your transactions, for free, anytime you want. Whether you like to keep backups of your financial records, or want to play around with your own insights, exporting your transactions is made available to you. BUDGET CALCULATOR Budget calculator is a tool used to see how your budget will look like by the end of the month. If your utility bills aren't until the end of the month, but you know it will be an expense you have, you can use the calculator to see how things will look after those bills. This helps you determine if you really should splurge on the new phone that just came out. Even though you may have $500 available in your budget, using the Budget Calculator you can see that $120 will be going towards unavoidable bills. ~~~PREMUIM ACCOUNTS~~~ For just $1/month, enjoy premium access to all the features Simple Budget has to offer. Save a whopping $2 if you subscribe annually, at only $10 for the whole year. Not interested? No problem, the core of Simple Budget is completely free to use, with premium access only affecting insights and extra tools/resources. Simplify Your Budget. Bugs/Features? Contact luke@pgmediasolutions.com Terms of Use https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy https://www.gosimplebudget.com/privacy-policy

Screenshots

Monthly Spending Tracker4 screens
Simple Budget4 screens

Verdict

The call

The clearest difference is rating: Monthly Spending Tracker at 5.0 against Simple Budget's 4.4. Simple Budget's advantage is ads (none vs shown) and update cadence (every 2 months vs every 17 months). On price, in-app purchases, monetization model 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. Monthly Spending Tracker sells 1 one-off in-app purchase and Simple Budget sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Monthly Spending Tracker holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: Simple Budget has 48 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Monthly Spending Tracker ships an update every 17 months, Simple Budget every 2 months. The most recent releases landed on September 12, 2026 and September 14, 2026 respectively.

Scorecard4 real differences · 6 level
Monthly Spending Tracker versus Simple Budget: the parameters behind the verdict, then further details
ParameterMonthly Spending TrackerSimple Budget
PriceFreeFree
Rating5.0 (2 ratings) — better4.4 (48 ratings)
Positive reviews—66.7% of reviews
Number of ratings248 — better
Update frequencyEvery 17 monthsEvery 2 months — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size4 MB59 MB
Age rating4+4+
DeveloperBrandon SteckleinLuke Brady

Customer experience

Monthly Spending Tracker

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Simple Budget

All ratings48 ratings
Positive85.4%
Neutral4.2%
Negative10.4%
Written reviews9 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

1 purchases

Monthly Spending Tracker

One-time1
  • Spending Tracker Premium$2.99
2 purchases

Simple Budget

Subscriptions2
  • Monthly Premium Subscription1 Month trial$0.991 Month
  • Annual Premium Subscription$9.991 Year

Questions

Is Monthly Spending Tracker free?
Monthly Spending Tracker is free to download, with in-app purchases available.
Is Simple Budget free?
Simple Budget is free to download, with in-app purchases available.
Which has better reviews, Monthly Spending Tracker or Simple Budget?
Monthly Spending Tracker is rated higher. Monthly Spending Tracker averages 5.0 out of 5 from 2 ratings, while Simple Budget averages 4.4 from 48 ratings.
Do Monthly Spending Tracker or Simple Budget have ads?
Monthly Spending Tracker shows ads; Simple Budget does not.
Which is updated more often, Monthly Spending Tracker or Simple Budget?
Monthly Spending Tracker ships an update every 17 months, and Simple Budget every 2 months. Most recently, Monthly Spending Tracker was updated on September 12, 2026 and Simple Budget on September 14, 2026.

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