Comparison

My Financial Tracker vs SpendWave Expense tracker App

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

Head to head
About

My Financial Tracker

Easily track your income and expenses with this intuitive financial tool. Visualize your spending habits, manage debts, and export your data for a clearer financial picture.

Highlights
  • Expense & Income Tracking
  • Visual Reports & Insights
  • Expense Reduction Tools
  • Debt Management
  • CSV Export
  • Daily Use Design
Features
Read full description

Stay organized with a simple yet powerful financial tracker that helps you take control of your money. This app combines the best tools of a spending tracker, expense tracker, and income tracker to give you a clear picture of your finances every day. Key Features: Expense & Income Tracking – Log every transaction in seconds. Add categories for food, bills, shopping, salary, or freelance income. This makes it easy to see how money flows in and out. Visual Reports & Insights – View your data through simple charts and reports. The financial tracker shows spending trends and helps you understand where your budget goes. Expense Reduction – Find unnecessary costs and plan ways to save. By using this spending tracker, you can cut back on habits that drain your budget. Debt Management – Keep track of loans, bills, and payment due dates. Stay on top of debts to avoid late fees and financial stress. CSV Export – Generate reports and export your records to CSV. Use them in other tools for advanced analysis or share them if needed. This financial tracker is made for everyone. No financial skills are required. Whether you just want a simple expense tracker for personal use, an income tracker for side jobs, or a full budget planner, this app works for you. It is designed for daily use, with a clear layout and easy navigation. Track money on the go, set reminders, and always know your balance. Download the financial tracker today and make better financial decisions with less effort. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.appfluxlabs.com/privacy-policy

About

SpendWave Expense tracker App

Easily manage your income and expenses with this personal finance companion. Track spending, set savings goals, and gain insights with detailed analyses and a financial calendar. Securely organize your money across different accounts and currencies.

Highlights
  • Multiple accounts and currencies
  • Quick transaction recording
  • Financial calendar overview
  • Customizable spending categories
  • Savings goal tracking
  • Detailed financial analysis
  • Data encryption for security
Features
Read full description

SpendWave - Your personal income and expenditure manager Keeping your finances under control is easy with the SpendWave - your ultimate companion for effective household management! Say goodbye to unnecessary stress and hello to financial clarity. Whether you want to keep track of your personal expenses, meet savings goals, or just want to stay on top of your finances, SpendWave is the solution you've been looking for. Features that make the SpendWave stand out: - Accounts and currencies: Easily create different accounts in any currency - be it your checking account, your credit card or your savings account. Manage your money in the currency that is most relevant to you. - Transactions in no time: record all your income and expenses with just a few clicks. Add details like amount, category, and notes to keep track. - Financial calendar: Our intelligent financial calendar shows you clearly on which days income and expenses are planned. This will help you better prepare for financial peaks and troughs. - Categories for better organization: create individual categories to best sort your transactions. Whether it's groceries, rent, entertainment or travel - you always keep an eye on where your money goes. - Define savings goals: set financial goals and track your progress towards them. SpendWave helps you make your dreams come true. - Detailed analyses: Get real-time insights into your financial situation. Graphs and charts show you how and where you spend your money to make smarter decisions. - Security first: Your data is important to us. SpendWave protects your sensitive information with state-of-the-art encryption technology. Whether you want to minimize your expenses, save for the future, or just want to stay on top of things - SpendWave is the app you can count on. Download SpendWave today and start your journey to financial freedom! Please note that SpendWave is a personal finance tracking app and is not a substitute for professional financial advice. Whenever major financial decisions are involved, we recommend consulting an expert.

Screenshots

My Financial Tracker4 screens
SpendWave Expense tracker App4 screens

Verdict

The call

My Financial Tracker and SpendWave Expense tracker App both sit at 4.7 stars, but that hides the real split: 82% of My Financial Tracker's written reviews are positive against 67% of SpendWave Expense tracker App's. My Financial Tracker also leads on iOS requirement (15.0 vs 17.6). SpendWave Expense tracker App's advantage is device support (4 vs 2). On price, rating, ratings volume and update cadence 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. My Financial Tracker sells 5 in-app purchases, starting at $0.99 per 7 days and SpendWave Expense tracker App sells 4 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.7 for My Financial Tracker against 4.8 for SpendWave Expense tracker App. Both are backed by a comparable volume of ratings — 22 and 9 respectively. Written reviews are what separate them: 82% of My Financial Tracker's written reviews are positive against 67% of SpendWave Expense tracker App's.

UpkeepUpdate frequency

My Financial Tracker ships an update every 9 days, SpendWave Expense tracker App fortnightly. The most recent releases landed on September 21, 2026 and September 23, 2026 respectively.

Scorecard3 real differences · 7 level
My Financial Tracker versus SpendWave Expense tracker App: the parameters behind the verdict, then further details
ParameterMy Financial TrackerSpendWave Expense tracker App
PriceFreeFree
Rating4.7 (22 ratings)4.8 (9 ratings) — better
Positive reviews82.1% of reviews — better66.7% of reviews
Number of ratings22 — better9
Update frequencyEvery 9 days — betterFortnightly
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPodiPhone, iPad, Mac, Apple Watch — better
Requires iOS15.0 — better17.6
Further details — not scored
Size64 MB19 MB
Age rating+44+
DeveloperAppFlux LabsRobin Guido Schmidt

Customer experience

My Financial Tracker

All ratings22 ratings
Positive95.5%
Neutral4.5%
Negative0.0%
Written reviews84 reviews
Positive82.1%
Neutral4.8%
Negative13.1%

SpendWave Expense tracker App

All ratings9 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews9 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

5 purchases

My Financial Tracker

Subscriptions4
  • Unlock The Unlimited Access$0.997 Days
  • Unlimited Access Week3 Days trial$0.997 Days
  • Unlimited Access Month$1.991 Month
Show 1 more
  • Unlimited Access Year$19.991 Year
One-time1
  • Unlimited Access Forever$29.99
4 purchases

SpendWave Expense tracker App

Subscriptions3
  • SpendWave+ Monthly3 Days trial$0.991 Month
  • SpendWave+ Monthly7 Days trial$1.991 Month
  • SpendWave+ Yearly7 Days trial$14.991 Year
One-time1
  • SpendWave+ one-time purchase$29.99

Questions

Is My Financial Tracker free?
My Financial Tracker is free to download, with in-app purchases available.
Is SpendWave Expense tracker App free?
SpendWave Expense tracker App is free to download, with in-app purchases available.
Which has better reviews, My Financial Tracker or SpendWave Expense tracker App?
SpendWave Expense tracker App is rated higher. My Financial Tracker averages 4.7 out of 5 from 22 ratings, while SpendWave Expense tracker App averages 4.8 from 9 ratings.
Do My Financial Tracker or SpendWave Expense tracker App have ads?
Neither My Financial Tracker nor SpendWave Expense tracker App shows ads.
Which is updated more often, My Financial Tracker or SpendWave Expense tracker App?
My Financial Tracker ships an update every 9 days, and SpendWave Expense tracker App fortnightly. Most recently, My Financial Tracker was updated on September 21, 2026 and SpendWave Expense tracker App on September 23, 2026.

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