# My Financial Tracker vs SpendWave Expense tracker App

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.

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.

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.

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.

## The numbers

| Metric | My Financial Tracker | SpendWave Expense tracker App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (22 ratings)](https://appshunter.io/ios/app/my-financial-tracker/id1507625362/reviews) | **[4.8 (9 ratings)](https://appshunter.io/ios/app/spendwave-expense-tracker-app/id6463366735/reviews)** |
| Number of ratings | **22** | 9 |
| Positive reviews | **82.1% of reviews** | 66.7% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 9 days** | Fortnightly |
| Monetization | Freemium | Freemium |
| Size | 64 MB | 19 MB |
| Requires iOS | **15.0** | 17.6 |
| Devices | iPhone, iPod | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | +4 | 4+ |
| Developer | [AppFlux Labs](https://appshunter.io/developer/1882687293) | [Robin Guido Schmidt](https://appshunter.io/developer/1571959440) |

## What reviewers say

### My Financial Tracker

[App page](https://appshunter.io/ios/app/my-financial-tracker/id1507625362)

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:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlock The Unlimited Access | $0.99 | per 7 days |
| Unlimited Access Week | $0.99 | per 7 days |
| Unlimited Access Month | $1.99 | per month |
| Unlimited Access Year | $19.99 | per year |
| Unlimited Access Forever | $29.99 | one-time |


### SpendWave Expense tracker App

[App page](https://appshunter.io/ios/app/spendwave-expense-tracker-app/id6463366735)

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:** Apple Watch app, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendWave+ Monthly | $0.99 | per month |
| SpendWave+ Monthly | $1.99 | per month |
| SpendWave+ Yearly | $14.99 | per year |
| SpendWave+ one-time purchase | $29.99 | one-time |


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