Comparison

SpendNotes vs Tracky

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

Head to head
About

SpendNotes

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
Read full description

متوفر باللغة العربية. يوفر التقويم الهجري. SpendNotes is here to help you manage your spending with the least amount of effort. With this application we pursued to provide easy and beautiful way to track and view your daily income and expenses, so you can control your financial life better. SpendNotes provide very intuitive interface to do all of that, it also supports the latest feature from Apple in iOS 13 "Dark Mode". With SpendNotes, we guarantee not to save any of your data in our servers, nor use any of that for any kind of marketing analysis, so you can rest assured that no one else owns your data but you. Features include: 1. Tracking Track your expenses & income. 2. Accounts Organize your transactions into separate accounts according to their source or nature. 3. Categories Select a category for the tracked items. 4. Custom Categories Create custom category for tracking items. 5. Budgets Define budgets to control expenses over day, week, month, year or over a specific date range. 6. Saving Goals Define goals to better plan and save for you future expenses. 7. Finance Overview Intuitive chart and table for the summary of your finance over tracked periods. 8. Analytics Delve into many charts and diagrams that shows the very details of your transactions. 9. Planned Tracking Define plans to track recurring expenses & incomes, or to be paid at specific time in future. 10. PDF Reports Customize and export detailed reports of your finances in PDF format. All users have access to most of features offered by the app, And we offer an In-App purchase product "Plus", with which user can have access to the following features: 1. Define unlimited amount of accounts. 2. Define unlimited amount of budgets. 3. Define unlimited amount of saving goals. 4. Define daily, weekly & yearly budgets, in addition to monthly ones that is offered for free. 5. You can use iCloud to sync between your devices from Apple. 6. You can attach photo to your tracked items. 7. Define plans with more options to track recurring and upcoming items. 8. Export reports of your expenses in PDF format. Credits: Icons & illustrations by Icons8

About

Tracky

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
Read full description

Tracky: Simple Budget Tracker is the simplest and fastest app to manage your budgets, track your expenses, and save money on the go. Take control of your budget by allocating your expenses into different envelopes such as groceries, salary, fuel, hobbies, shopping, vacations, and more. Whether it's recurring expenses or special events, Tracky lets you track your monthly or one-time budgets. Track your expenses and make the most of your savings with Tracky’s automatic calculation of your remaining budget. This fast and easy budget tracking tool is suitable for everyone, regardless of their expertise in budget management. Rest assured, Tracky doesn't require any connection to your bank account, ensuring your data and privacy remain secure. Why should you use Tracky: Simple Budget Tracker? - Quick and easy - Free - Allocate your budget - Track your expenses - Enjoy your savings - No sign-up or login required - No bank account needed - Private & secure: we don't collect your data, it's safe for you - Automatic iCloud sync to share data across multiple devices logged in to the same iCloud account === TRACKY: SIMPLE BUDGET TRACKER FEATURES === - Create and manage your budgets - Add and customize your operations: name, amount, date, icon, color - Automatic calculation of your remaining budget - Stay informed about your budget's progress with notifications - Keep a history of your expenses - Save time by reusing recurring budgets - Easily share your data across multiple devices logged in to the same iCloud account - Widgets: instantly monitor your budget from your lock screen and home screen How to use Tracky: Simple Budget Tracker: 1. Create a budget and give it a name (e.g., "July") 2. Define and customize your envelopes (e.g., "Groceries," "Fuel," "Hobbies") 3. Add your expenses to the envelopes 4. Enter the expense name and amount 5. Personalize the expense by selecting an icon and color 6. Continue adding your expenses as you go, and Tracky will calculate the remaining budget As you can see, Tracky: Simple Budget Tracker is incredibly simple and fast to use. It's the perfect solution for tracking your expenses and budgets without wasting time on understanding the app or linking your bank account, which could compromise your data. Managing your expenses has never been easier, faster, and more efficient. Easily set and monitor your monthly or one-time budgets. Modify them anytime to adapt to your financial situation. Track your expenses accurately and identify areas where you can save. Dive into the detailed expense history for a deeper analysis of your spending habits. Identify trends, strengths, and areas for improvement to optimize your budget. Tracky is the easiest and most convenient app to track your budgets, so what are you waiting for? Download Tracky: Simple Budget Tracker now! *** Our app is FREE to use. However, you can become premium with in-app purchases. You'll have unlimited budgets, envelopes, and expenses, and no ads will be displayed to ensure optimal user experience. All prices are in euros (EUR). Prices in other currencies and countries may vary depending on the country of residence. Thank you for using Tracky: Simple Budget Tracker. Support us by sharing the app with your loved ones and giving us a 5-star rating on the App Store. Your support will enable us to continue improving the app and provide you with an even better financial management experience. Privacy Policy: https://lowly.notion.site/Privacy-Policy-364375656a694f7f9ec206cc001c899c?pvs=4 Terms & Conditions: https://lowly.notion.site/Terms-Conditions-0debe53270c3403fad1926e3ea0abcbd?pvs=4

Screenshots

SpendNotes4 screens
Tracky4 screens

Verdict

The call

The clearest difference is ads: SpendNotes at none against Tracky's shown. SpendNotes also leads on rating (4.8 vs 4.6) and device support (3 vs 1). Tracky's advantage is review sentiment (85% vs 69%). On price, update cadence, in-app purchases and monetization model 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. SpendNotes sells 3 in-app purchases, starting at $4.99 per 3 months and Tracky sells 15 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

SpendNotes holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 406 and 124 respectively. Written reviews complicate that: 69% of SpendNotes's written reviews are positive against 85% of Tracky's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

SpendNotes ships an update every 3 weeks, Tracky every 2 weeks. The most recent releases landed on October 17, 2026 and October 19, 2026 respectively.

Scorecard6 real differences · 4 level
SpendNotes versus Tracky: the parameters behind the verdict, then further details
ParameterSpendNotesTracky
PriceFreeFree
Rating4.8 (406 ratings) — better4.6 (124 ratings)
Positive reviews69.2% of reviews84.8% of reviews — better
Number of ratings406 — better124
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better18.0
Further details — not scored
Size15 MB87 MB
Age rating4+4+
DeveloperSuhaib Al-AbsiAdrien Carvalot

Customer experience

SpendNotes

All ratings406 ratings
Positive94.8%
Neutral1.5%
Negative3.7%
Written reviews26 reviews
Positive69.2%
Neutral7.7%
Negative23.1%

Tracky

All ratings124 ratings
Positive89.5%
Neutral2.4%
Negative8.1%
Written reviews79 reviews
Positive84.8%
Neutral6.3%
Negative8.9%

User reviews

SpendNotes

From 406 App Store ratings

What we love

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

Room to improve

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

Tracky

From 124 App Store ratings

What we love

  • 👍 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

Room to improve

  • 🐛 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

Bugs and requests

SpendNotes

Reported bugs

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

Requested features

8 requests
  • 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
Show 3 more
  • Create sub-categories for expenses and income
  • Option for lifetime free access via sharing
  • Change currency within the app

Tracky

Reported bugs

8 issues
  • 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
Show 3 more
  • Inability to create new expenses without premium after 5 entries
  • Ads require multiple views before input saves on poor connections
  • Transactions load incorrectly until envelope is clicked and exited

Requested features

17 requests
  • 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
Show 12 more
  • Transfer functionality between envelopes
  • Direct income allocation without envelope requirement
  • More transaction icons (currently limited to ~20-30)
  • Additional color options
  • Due date functionality for envelopes
  • Quick-add expense widget
  • View all transactions under a budget organized by date
  • Ability to delete all expenses in an envelope at once
  • Custom initial budget amount display instead of net balance
  • Bank transaction reconciliation/check-off system
  • Toggle between spent and remaining amount display
  • Archive functionality for monthly expenses

In-app purchases

3 purchases

SpendNotes

Subscriptions2
  • SpendNotes Plus - 3 Months$4.993 Months
  • SpendNotes Plus - Yearly$14.991 Year
One-time1
  • SpendNotes Plus - Lifetime$59.99
15 purchases

Tracky

Subscriptions7
  • Premium3 Days trial3 variants$1.991 Month
  • Premium7 Days trial$2.991 Month
  • Premium$2.991 Month
Show 4 more
  • Premium2 variants$4.991 Month
  • Premium7 Days trial$14.991 Year
  • Premium7 Days trial2 variants$19.991 Year
  • Premium7 Days trial2 variants$29.991 Year
One-time8
  • Premium$1.99
  • Premium$2.99
  • Premium$4.99
Show 5 more
  • Premium$8.99
  • Premium$17.99
  • Premium$29.99
  • Premium$39.99
  • Premium2 variants$49.99

Questions

Is SpendNotes free?
SpendNotes 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, SpendNotes or Tracky?
SpendNotes is rated higher. SpendNotes averages 4.8 out of 5 from 406 ratings, while Tracky averages 4.6 from 124 ratings.
Do SpendNotes or Tracky have ads?
Tracky shows ads; SpendNotes does not.
Which is updated more often, SpendNotes or Tracky?
SpendNotes ships an update every 3 weeks, and Tracky every 2 weeks. Most recently, SpendNotes was updated on October 17, 2026 and Tracky on October 19, 2026.

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