# SpendNotes vs Qube Money

The clearest difference is in-app purchases: Qube Money at none against SpendNotes's 2. Qube Money also leads on review sentiment (86% vs 69%) and ratings volume (1.6K vs 406). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. SpendNotes sells 2 in-app purchases, starting at $4.99 per 3 months. Qube Money asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.8 for SpendNotes against 4.6 for Qube Money. Both are backed by a comparable volume of ratings — 406 and 1.6K respectively. Written reviews are what separate them: 69% of SpendNotes's written reviews are positive against 86% of Qube Money's.

SpendNotes ships an update every 3 weeks, Qube Money every 2 weeks. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | SpendNotes | Qube Money |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (406 ratings)](https://appshunter.io/ios/app/spendnotes-budget-tracker/id1505752740/reviews)** | [4.6 (1.6K ratings)](https://appshunter.io/ios/app/qube-money-envelope-budgeting/id1542093769/reviews) |
| Number of ratings | 406 | **1.6K** |
| Positive reviews | 69.2% of reviews | **86.1% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Freemium | **Free** |
| Size | 15 MB | 170 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Suhaib Al-Absi](https://appshunter.io/developer/1505752739) | [Qube Money LLC](https://appshunter.io/developer/1541787593) |

## What reviewers say

### SpendNotes

[App page](https://appshunter.io/ios/app/spendnotes-budget-tracker/id1505752740)

Easily track daily income and expenses with an intuitive interface. Organize transactions, set budgets, and monitor financial goals. Offers detailed analytics and customizable PDF reports for better financial control.

**Highlights:** Track expenses and income, Organize transactions by account, Create custom categories, Set daily, weekly, monthly, yearly budgets, Define saving goals, Finance overview with charts and tables, Detailed analytics and PDF reports

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendNotes Plus - 3 Months | $4.99 | per 3 months |
| SpendNotes Plus - Yearly | $14.99 | per year |

**What reviewers like**

- 👍 Easy to use and track spending
- ⭐️ Excellent for financial management
- 💰 Inexpensive subscription/purchase
- ✨ Highly customizable
- 💯 Best app of its kind

**What reviewers complain about**

- 🐛 Glitching during purchase
- 🤔 Some features not fully understood
- ⚠️ Widget issues after update
- 💸 Lifetime purchase price steep
- ❌ Inability to track category totals over time (initially)

**Reported bugs**

- App boots off when trying to purchase full version
- Widgets not showing properly after update
- Developer not responding to emails

**Requested features**

- Add a 'debts' section
- Add 'deposit', 'withdrawal', and 'savings' categories
- MAC compatibility
- Set budgets on a biweekly basis
- Add multiplication and division to the calculator


### Qube Money

[App page](https://appshunter.io/ios/app/qube-money-envelope-budgeting/id1542093769)

This app combines digital banking with a cash envelope budgeting system. It automatically divides your funds into separate digital accounts, allowing you to spend with purpose and track transactions in real-time. Enjoy enhanced security with a unique card authorization system.

**Highlights:** Digital envelope budgeting, Automated money splitting, Real-time transaction tracking, Purposeful spending control, Secure card authorization, Peer-to-peer payments

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Streamlined budgeting
- 🔒 Fraud protection
- 👍 Intuitive envelope system
- 💡 Digital cash envelope alternative
- 👍 Helps control spending

**What reviewers complain about**

- 🐛 Slow money transfers
- 🔒 Difficulty accessing funds
- 🐛 Buggy app performance
- 🔒 Poor customer service
- 💰 High monthly fees

**Reported bugs**

- Account freezing/locking issues
- Delayed/missing fund transfers
- Debit card functionality problems

**Requested features**

- Automatic fund allocation
- Desktop/web app option
- Higher deposit limits
- Zelle/mobile check deposit
- Savings/investment integration


## Frequently asked questions

### Is SpendNotes free?

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

### Is Qube Money free?

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

### Which has better reviews, SpendNotes or Qube Money?

SpendNotes is rated higher. SpendNotes averages 4.8 out of 5 from 406 ratings, while Qube Money averages 4.6 from 1.6K ratings.

### Do SpendNotes or Qube Money have ads?

Neither SpendNotes nor Qube Money shows ads.

### Which is updated more often, SpendNotes or Qube Money?

SpendNotes ships an update every 3 weeks, and Qube Money every 2 weeks. Most recently, SpendNotes was updated on November 7, 2026 and Qube Money on November 3, 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.*