# SpendNotes vs Bread

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.

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.

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.

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

## The numbers

| Metric | SpendNotes | Bread |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (397 ratings)](https://appshunter.io/ios/app/spendnotes-budget-tracker/id1505752740/reviews)** | [4.4 (63 ratings)](https://appshunter.io/ios/app/bread-gamified-budget-tracker/id6474839193/reviews) |
| Number of ratings | **397** | 63 |
| Positive reviews | **70.8% of reviews** | 47.1% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 16 MB | 160 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 9+ |
| Developer | [Suhaib Al-Absi](https://appshunter.io/developer/1505752739) | [Bread Money](https://appshunter.io/developer/1720587292) |

## 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


### Bread

[App page](https://appshunter.io/ios/app/bread-gamified-budget-tracker/id6474839193)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro access | $5.99 | per month |
| Pro access | $35.99 | per year |


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