Monthly Spending Tracker vs Simple Budget
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Track monthly spending
- Record transactions, categories, dates, payees
- Set monthly budget limits
- Receive budget alerts
- View monthly transactions
- Generate expense reports
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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.
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.
- Envelope budgeting system
- Manual transaction entry
- Spending insights and analysis
- Budget calculator
- Cross-device access
- Transaction export
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Simple Budget is a hands-on budgeting app for people who want control over where their money goes. SEE WHERE YOUR MONEY GOES Break your spending down into categories, and give each category a budget. By planning your spending ahead of time, you can build savings directly into your budget, allowing you to have guilt-free spending money while still keeping up with your savings. Track your spending habits with Simple Budget to see if your spending matches your goals. HANDS-ON, WITHOUT THE HASSLE Stay close to your spending to see exactly where your money is going. Avoid the set-it-and-forget-it model and plan for every dollar. When you see each one coming in and out, you understand what you're spending and what you're saving. PLAN FOR THE FUTURE, LEARN FROM THE PAST • Plan your spending ahead of time, from retirement savings to weekend shopping. • Budget Calculator: see how your month ends up after the bills you know are coming, before you decide on that splurge. • Projected spending and savings for the current month. • Recurring income on any schedule: weekly, biweekly, monthly and more. • Year Savings: income, spending and savings for every month of the year. • Spending History: track your spending habits month to month. ENVELOPE BUDGETING, MADE EASY Building your budget is quick and easy with customizable, pre-built budget categories. Find what applies to you, tailor it to your needs, and build a budget that works for you. YOUR BUDGET, YOUR WAY • Track balances across your accounts, free. • Search, filter and sort every transaction, free. • Export your transactions to CSV anytime, free. • Sign in with your phone number and pick up your budget on any device, free. FREE AND PREMIUM Simple Budget is built for everyone, and stays affordable for anyone looking for extra budgeting firepower. The core of Simple Budget is free: budgets and categories, transactions, accounts, income, monthly insights and CSV export. Premium adds detailed category insights and trends, yearly insights, full Budget Calculator editing, history from previous years, and more. Simple Budget Premium is an auto-renewing subscription, billed monthly or annually. Payment is charged to your Apple ID at confirmation of purchase. Your subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Questions or ideas? 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
Verdict
The clearest difference is rating: Monthly Spending Tracker at 5.0 against Simple Budget's 4.5. Simple Budget's advantage is ads (none vs shown) and update cadence (every 3 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
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.
Monthly Spending Tracker holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Simple Budget has 50 ratings behind it against 2, so its average is the more settled of the two.
Monthly Spending Tracker ships an update every 17 months, Simple Budget every 3 months. The most recent releases landed on September 12, 2026 and October 17, 2026 respectively.
| Parameter | Monthly Spending Tracker | Simple Budget |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 4.5 (50 ratings) |
| Positive reviews | — | 66.7% of reviews |
| Number of ratings | 2 | 50 — better |
| Update frequency | Every 17 months | Every 3 months — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 4 MB | 59 MB |
| Age rating | 4+ | 4+ |
| Developer | Brandon Stecklein | Luke Brady |
Customer experience
Monthly Spending Tracker
Simple Budget
In-app purchases
Monthly Spending Tracker
- Spending Tracker Premium$2.99
Simple Budget
- Monthly Premium Subscription1 Month trial$0.991 Month
- Annual Premium Subscription$9.991 Year
Questions
Is Monthly Spending Tracker free?
Is Simple Budget free?
Which has better reviews, Monthly Spending Tracker or Simple Budget?
Do Monthly Spending Tracker or Simple Budget have ads?
Which is updated more often, Monthly Spending Tracker or Simple Budget?
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