# Monthly Spending Tracker vs Tracky

The clearest difference is update cadence: Tracky at every 2 weeks against Monthly Spending Tracker's every 17 months. Tracky also leads on ratings volume (124 vs 3). Monthly Spending Tracker's advantage is rating (5.0 vs 4.6) and device support (3 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Monthly Spending Tracker sells 1 one-off in-app purchase and Tracky sells 6 in-app purchases, starting at $1.99 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 4.6. That said, the two scores are not equally well evidenced: Tracky has 124 ratings behind it against 3, so its average is the more settled of the two.

Monthly Spending Tracker ships an update every 17 months, Tracky every 2 weeks. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Monthly Spending Tracker | Tracky |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/monthly-spending-tracker/id1498487255/reviews)** | [4.6 (124 ratings)](https://appshunter.io/ios/app/tracky-simple-budget-planner/id1663043762/reviews) |
| Number of ratings | 3 | **124** |
| Positive reviews | — | 84.8% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 17 months | **Every 2 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 4 MB | 87 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Brandon Stecklein](https://appshunter.io/developer/498894252) | [Adrien Carvalot](https://appshunter.io/developer/1498484091) |

## What reviewers say

### Monthly Spending Tracker

[App page](https://appshunter.io/ios/app/monthly-spending-tracker/id1498487255)

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:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Spending Tracker Premium | $2.99 | one-time |


### 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 (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $1.99 | per month |
| Premium | $4.99 | per month |
| Premium | $19.99 | per year |
| Premium | $29.99 | per year |
| Premium | $4.99 | 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 Monthly Spending Tracker free?

Monthly Spending Tracker is free to download, with in-app purchases available.

### Is Tracky free?

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

### Which has better reviews, Monthly Spending Tracker or Tracky?

Monthly Spending Tracker is rated higher. Monthly Spending Tracker averages 5.0 out of 5 from 3 ratings, while Tracky averages 4.6 from 124 ratings.

### Do Monthly Spending Tracker or Tracky have ads?

Both Monthly Spending Tracker and Tracky show ads.

### Which is updated more often, Monthly Spending Tracker or Tracky?

Monthly Spending Tracker ships an update every 17 months, and Tracky every 2 weeks. Most recently, Monthly Spending Tracker was updated on November 3, 2026 and Tracky on November 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.*