# SpendNotes vs Tracky

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.

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.

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.

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.

## The numbers

| Metric | SpendNotes | Tracky |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (406 ratings)](https://appshunter.io/ios/app/spendnotes-budget-tracker/id1505752740/reviews)** | [4.6 (124 ratings)](https://appshunter.io/ios/app/tracky-simple-budget-planner/id1663043762/reviews) |
| Number of ratings | **406** | 124 |
| Positive reviews | 69.2% of reviews | **84.8% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 15 MB | 87 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Suhaib Al-Absi](https://appshunter.io/developer/1505752739) | [Adrien Carvalot](https://appshunter.io/developer/1498484091) |

## 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 (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendNotes Plus - 3 Months | $4.99 | per 3 months |
| SpendNotes Plus - Yearly | $14.99 | per year |
| SpendNotes Plus - Lifetime | $59.99 | one-time |

**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


### 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 (15)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $1.99 | per month |
| Premium | $2.99 | per month |
| Premium | $2.99 | per month |
| Premium | $4.99 | per month |
| Premium | $14.99 | per year |
| Premium | $19.99 | per year |
| Premium | $29.99 | per year |
| Premium | $1.99 | one-time |
| Premium | $2.99 | one-time |
| Premium | $4.99 | one-time |
| Premium | $8.99 | one-time |
| Premium | $17.99 | one-time |
| Premium | $29.99 | one-time |
| Premium | $39.99 | 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 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.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*