Comparison

Money Buddy Expense Tracker vs SpendGuard

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

Head to head
About

Money Buddy Expense Tracker

Take control of your finances with this personal budget planner. Track income and expenses, visualize spending with charts, and utilize helpful calculators for loans, retirement, and tips. Stay informed with the latest finance news.

Highlights
  • Expense tracking
  • Budget planning
  • Income logging
  • Spending visualization (pie chart)
  • Loan calculator
  • Retirement spend down calculator
  • Tip calculator
  • Finance news feed
Read full description

There has never been a better time than now to track your personal finance, money spending and expenses. It is time to stop guessing where all your money goes, and take control of your personal finances by budgeting with easy money management! Quickly, and accurately keep track, plan, and prioritize your personal financial spending with ease! Money Buddy Finance is your own personal finance budget planner. What is a budget planner? A successful budget planner helps you decide how to best manage, and spend your money while avoiding or reducing expenses and debt, giving the you a clear visual where your money is being spent, and where you can cut out spending, reducing your expenses, and putting more of your money back in your pocket! Budgeting your money is one of the best ways to keep your personal finances on track. Money Buddy Finance can help you do just that! Simply enter your income sources with income amounts, along with your expenses, with expense amounts. Watch the pie chart represent the money you are spending, giving you the ability to visually see where your money is being spent and which expenses you can possibly trim. Below the chart you will find your "budget envelopes". The first "envelope" is for your income, this contains the income source(s) and income amount(s) you supplied. The second "envelope" is your expense "envelope" containing your expense source(s) and expense amount(s) that you supplied. Money Buddy Finance is a great money management budgeting tool that is also for finding areas in your expenses that you are able to cut out unnecessary spending, and allowing you to free up more of your hard earned cash money. Whether your goal is to pay off debt, save some money, or just allocate your money better, it is time you make every dollar count with a budget plan, that will help you visually see where your money is going, allowing you to plan accordingly. Check out the loan calculator! Need to make a big purchase or thinking of condensing your debt payments into a personal loan? Wouldn't it be easier to have one payment instead of several debt payments? Use the calculator to see how much a monthly payment will be, and if it's the right choice for you. Just added is the retirement spend down calculator! Don't guess how much money you can spend in retirement. Simply enter the corresponding information into the input areas and let us take care of figuring out your monthly retirement allowance! Not sure how much to tip? If your ordering at a nice restaurant, getting take out or delivery, or any other service where tips are common practice, we got you covered! quickly enter the bill amount and we calculate based on common percentages, to provide you with the tip and total amounts, making figuring out the tip painless. Now you can see the latest finance news right from within the same app! Never miss the latest finance news and get personal finance tips! DISCLAIMER(S): **Loan payment amount is an estimate. Please consult your loan provider for actual loan payment amount. Loan interest rates may vary **It is impossible to accurately predict all the variables that will affect one's retirement income plan over an extended time horizon. More detailed planning is useful, but this simple enough-to-retire calculation method offers a great starting place. Be sure to contact a financial professional. Add any additional guaranteed income to this amount to calculate available income.

About

SpendGuard

This app acts as a spending coach, helping you curb impulse buys with a 48-hour cooling-off period and build healthy financial habits through daily streaks. It offers AI-powered spending reviews and effortless expense tracking with multi-currency support.

Highlights
  • 48-hour impulse buy protection
  • Daily spending streak tracking
  • AI-powered spending reviews
  • Effortless expense logging
  • Multi-currency support (13 currencies)
  • Visual spending reports
Features
Read full description

SpendGuard tracks your spending for you. Set it up once and every Apple Pay purchase is logged automatically. No typing, no bank login. EXPENSES LOG THEMSELVES Connect a simple Shortcuts automation in a minute. From then on, each Apple Pay payment appears in SpendGuard with amount, store and category. NEVER MISS A TRIAL END Add your subscriptions and free trials. SpendGuard reminds you before a trial turns into a charge and shows what you pay every month. ASK WHERE YOUR MONEY WENT Ask the built-in assistant simple questions like "How much did I spend on food this week?" and get a clear answer. YOUR WEEK AT A GLANCE The home screen shows today, this week and your budget left, so you always know where you stand. LOG ANYTHING IN SECONDS Paid in cash? Add an expense in a couple of taps with smart categories. YOUR WEEK, AS A STORY Every week SpendGuard turns your spending into a short story: top categories, biggest purchases and how you did against your budget. Private by design: no bank connection needed. Subscription terms: SpendGuard Premium is billed through your Apple ID. It renews automatically unless cancelled at least 24 hours before the end of the period. Manage or cancel in your App Store account settings.

Screenshots

Money Buddy Expense Tracker4 screens
SpendGuard4 screens

Verdict

The call

The clearest difference is price: SpendGuard at Free against Money Buddy Expense Tracker's $1.99. SpendGuard also leads on update cadence (every 9 days vs every 3 weeks). Money Buddy Expense Tracker's advantage is in-app purchases (none vs 3) and ratings volume (6 vs 1). On rating, review sentiment and ads 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

SpendGuard is free to download; Money Buddy Expense Tracker costs $1.99 up front. SpendGuard sells 3 in-app purchases, starting at $4.99 per month. Money Buddy Expense Tracker asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Money Buddy Expense Tracker against 5.0 for SpendGuard. That said, the two scores are not equally well evidenced: Money Buddy Expense Tracker has 6 ratings behind it against 1, so its average is the more settled of the two. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

Money Buddy Expense Tracker ships an update every 3 weeks, SpendGuard every 9 days. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard7 real differences · 3 level
Money Buddy Expense Tracker versus SpendGuard: the parameters behind the verdict, then further details
ParameterMoney Buddy Expense TrackerSpendGuard
Price$1.99Free — better
Rating5.0 (6 ratings)5.0 (1 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings6 — better1
Update frequencyEvery 3 weeksEvery 9 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationPaidFreemium — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better17.6
Further details — not scored
Size3 MB20 MB
Age rating4+4+
DeveloperSinnig Media, LLCIvan Hubar

Customer experience

Money Buddy Expense Tracker

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

SpendGuard

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Money Buddy Expense Tracker

No in-app purchases

3 purchases

SpendGuard

Subscriptions3
  • SpendGoard Pro Monthly$4.991 Month
  • SpendGoard Pro 3 Months3 Days trial$9.993 Months
  • SpendGoard Pro Yearly7 Days trial$24.991 Year

Questions

Is Money Buddy Expense Tracker free?
Money Buddy Expense Tracker costs $1.99, with no in-app purchases.
Is SpendGuard free?
SpendGuard is free to download, with in-app purchases available.
Which has better reviews, Money Buddy Expense Tracker or SpendGuard?
Money Buddy Expense Tracker and SpendGuard are both rated 5.0 out of 5 on the App Store, from 6 and 1 ratings respectively.
Do Money Buddy Expense Tracker or SpendGuard have ads?
Neither Money Buddy Expense Tracker nor SpendGuard shows ads.
Which is updated more often, Money Buddy Expense Tracker or SpendGuard?
Money Buddy Expense Tracker ships an update every 3 weeks, and SpendGuard every 9 days. Most recently, Money Buddy Expense Tracker was updated on November 3, 2026 and SpendGuard on October 31, 2026.

Other comparisons