Comparison

SpendNotes vs Bread

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

Bread

This app gamifies personal finance by turning budgeting into a challenge. Track spending, set goals, and compete with friends. Learn financial literacy through curated articles and visualize your money with interactive charts.

Highlights
  • Gamified budgeting challenges
  • Social expense sharing and leaderboards
  • Automated bank transaction import
  • Smart spending categorization
  • Interactive spending charts
  • Financial literacy articles (Bread University)
  • Magic Eight Ball for spending decisions
Features
Read full description

TURN BUDGETING INTO A GAME Bread Budgeting transforms everyday money management into a playful challenge. Set your own spending limits—or start with our ready-made templates—and keep Brad the Bread happy by staying on budget. Go overboard and Brad toasts; stay on track and each new month unlocks a fresh, collectible bread character to show off. BUDGET TOGETHER, STAY ACCOUNTABLE Invite a partner, roommate, or your whole friend group. Bread lets everyone share progress in real time, compare monthly goals, and cheer (or gently roast) one another. Your rarest bread achievements are displayed on a social leaderboard, so bragging rights are baked right in. LEARN WITH BREAD UNIVERSITY Whether you’re brand new to personal finance or fine-tuning an advanced savings plan, Bread University offers concise, practical articles curated by certified educators. Level up your money skills while Brad rises in the oven. CONNECT YOUR BANK—NO MANUAL TYPING Securely link your U.S. bank accounts (more regions coming soon) and import transactions automatically. Our smart categorization engine sorts every purchase so you always know where your money goes. SEE YOUR MONEY CLEARLY Interactive charts break down spending patterns, highlight subscriptions you may have forgotten, and display upcoming recurring charges on a calendar so nothing blindsides you at month-end. SHOULD I BUY IT? ASK THE MAGIC EIGHT BALL About to splurge? Shake our built-in Magic Eight Ball for a light-hearted reality check before you tap “Add to Cart.” Bread Budgeting requires iOS 16 or later. End-User License Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

SpendNotes4 screens
Bread4 screens

Verdict

The call

The clearest difference is rating: SpendNotes at 4.8 against Bread's 4.4. SpendNotes also leads on review sentiment (71% vs 47%) and ratings volume (397 vs 63). On price, update cadence, ads and in-app purchases 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 Bread sells 2 in-app purchases, starting at $5.99 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 4.4. That said, the two scores are not equally well evidenced: SpendNotes has 397 ratings behind it against 63, so its average is the more settled of the two. Written reviews point the same way: 71% of SpendNotes's written reviews are positive against 47% of Bread's.

UpkeepUpdate frequency

SpendNotes ships an update every 3 weeks, Bread fortnightly. The most recent releases landed on September 21, 2026 and September 22, 2026 respectively.

Scorecard3 real differences · 7 level
SpendNotes versus Bread: the parameters behind the verdict, then further details
ParameterSpendNotesBread
PriceFreeFree
Rating4.8 (397 ratings) — better4.4 (63 ratings)
Positive reviews70.8% of reviews — better47.1% of reviews
Number of ratings397 — better63
Update frequencyEvery 3 weeksFortnightly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size16 MB160 MB
Age rating4+9+
DeveloperSuhaib Al-AbsiBread Money

Customer experience

SpendNotes

All ratings397 ratings
Positive95.0%
Neutral1.5%
Negative3.5%
Written reviews24 reviews
Positive70.8%
Neutral8.3%
Negative20.8%

Bread

All ratings63 ratings
Positive82.5%
Neutral7.9%
Negative9.5%
Written reviews34 reviews
Positive47.1%
Neutral32.4%
Negative20.6%

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

Bread

Not enough reviews yet to summarise bugs or requests.

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
2 purchases

Bread

Subscriptions2
  • Pro access7 Days trial$5.991 Month
  • Pro access7 Days trial$35.991 Year

Questions

Is SpendNotes free?
SpendNotes is free to download, with in-app purchases available.
Is Bread free?
Bread is free to download, with in-app purchases available.
Which has better reviews, SpendNotes or Bread?
SpendNotes is rated higher. SpendNotes averages 4.8 out of 5 from 397 ratings, while Bread averages 4.4 from 63 ratings.
Do SpendNotes or Bread have ads?
Neither SpendNotes nor Bread shows ads.
Which is updated more often, SpendNotes or Bread?
SpendNotes ships an update every 3 weeks, and Bread fortnightly. Most recently, SpendNotes was updated on September 21, 2026 and Bread on September 22, 2026.

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