Finance Tracker vs Savings Challenge
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Finance Tracker
Effortlessly track daily finances with this powerful transaction organizer. Categorize, tag, and manage recurring expenses with ease. Analyze your spending with a dedicated summary screen and secure, local data storage.
- Unlimited transactions
- Custom categories and tags
- Recurring transaction management
- Receipt scanning and photo attachments
- Transaction summary and analysis
- iCloud sync and sharing
- CSV import/export
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Welcome to Accountit, a simple, but powerful daily transactions tracker that will definitely help you get a full picture of your finances. With Accountit, tracking and organizing all of your transactions becomes as effortless as possible, all thanks to the useful features that the app has on offer. Accountit lets you add an unlimited number of transactions that can be organized into different categories that you can create and customize yourself. With Accountit, you can also filter and organize all of your transactions even more efficiently using tags that you can create and assign to any of your transactions in the app. Don’t worry if you have any recurring transactions because we have got you covered too! Just mark a transaction as recurring and set the frequency when adding it, Accountit will handle the rest for you and you won’t need to manually add the same exact transactions every single time. With Accountit, you can also add various attachments, such as receipts, to your transactions in no time at all because you can scan receipts and take photos directly in the app. One of the main goals of the app is to help you quickly analyze all of your transactions and this is why Accountit offers a dedicated Summary screen that displays an extensive variety of information based on your transactions. Accountit is built with privacy and security in mind and it just doesn’t collect any personal data that can be linked to you. All of your data in the app is stored locally on your device and synced via iCloud if you have enabled this functionality in the settings of the app. We have designed Accountit to be as intuitive and easy to use as possible and it will definitely feel right at home on any of your Apple devices, all thanks to its native design. Accountit offers an extensive variety of features that you can use completely for free, but if you feel that the free functionality isn’t enough for your needs, you can always upgrade to Accountit Plus for even better experience. With Accountit Plus, you get an access to an unlimited number of accounts, categories, and tags, as well as various app customization options, and more. KEY FEATURES: - Unlimited number of transactions - iCloud sync - Ability to add notes to your transactions - Ability to add links to your transactions - Income, expense, and transfer transactions - 1 account - Budgets - Recurring transactions - Multiple sorting and filtering options to help you better organize your transactions - Transactions summary - CSV import and export - Beautiful and useful widgets - Available on iOS, iPadOS, macOS and watchOS PLUS FEATURES: - Unlimited number of accounts - Access to categories and tags - iCloud sharing - Ability to add attachments to transactions - 10 different app icons for you to pick the one that fits your home screen the most - 15 different tint colors that you can choose from to make the app feel more unique to you - Custom appearance (System, light, and dark) - More than 150 different currencies - Bulk editing If you have any questions about Accountit, you can just get in touch with us via email at info@designtech.so. We are always happy to help! Terms of service: https://designtech.notion.site/DesignTech-Terms-of-Service-18cc124eba4080c58316f2ed81f84bff. Privacy policy: https://designtech.notion.site/DesignTech-Privacy-Policy-18bc124eba40809eba48e6af249ebd2c.
Savings Challenge
This app helps you achieve savings goals through a fun envelope challenge. You can either follow a pre-set 100-envelope challenge to save $5,050 or create your own custom savings plan with a set amount and number of envelopes.
- Envelope savings challenge tracker
- Customizable savings goals
- Daily money saving
- Track progress towards goals
- Surprise savings amounts
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Meet envelope savings tracker! Achieve your goals with the Envelope Challenge. Would you like to have extra $5,050? We dare you to take the Envelopes Challenge! Rules: 1. You have 100 envelopes with surprise number from $1 to $100. 2. Open one envelope per day and save this money. 3. After the 100th envelope you’ll achieve $5050! Is this surprise challenge not for you? Create a goal you want to achieve. Set up the savings sum and the amount of envelopes, that suites you. Add surprise challenge to your savings routine! EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is rating: Savings Challenge at 4.7 against Finance Tracker's 4.4. Savings Challenge also leads on ratings volume (446 vs 112). Finance Tracker's advantage is review sentiment (63% vs 53%) and device support (4 vs 1). 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
Both are free to download. Finance Tracker sells 3 in-app purchases, starting at $2.99 per month and Savings Challenge sells 9 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.
Savings Challenge holds the better App Store score, 4.7 against 4.4. Both are backed by a comparable volume of ratings — 112 and 446 respectively. Written reviews complicate that: 63% of Finance Tracker's written reviews are positive against 53% of Savings Challenge's, so the app with the better star average is not the one people write more warmly about.
Finance Tracker ships an update fortnightly, Savings Challenge every 3 weeks. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.
| Parameter | Finance Tracker | Savings Challenge |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (112 ratings) | 4.7 (446 ratings) — better |
| Positive reviews | 63.1% of reviews — better | 52.9% of reviews |
| Number of ratings | 112 | 446 — better |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone, iPad, Mac, Apple Watch — better | iPhone |
| Requires iOS | 17.0 — better | 18.6 |
| Further details — not scored | ||
| Size | 139 MB | 49 MB |
| Age rating | 4+ | 4+ |
| Developer | DesignTech SIA | Mihail Kuznecovs |
Customer experience
Finance Tracker
Savings Challenge
User reviews
Finance Tracker
From 112 App Store ratingsWhat we love
- 🎨 Clean, simple, and elegant UI design
- ☁️ Seamless iCloud sync across devices
- 💰 Affordable pricing with lifetime option
- 📱 Universal iOS and Mac app support
- ⚡ Quick and easy transaction entry
Room to improve
- 🐛 Frequent crashes on iPad and iPhone
- 🐛 App freezes when adding transactions
- 🐛 Sync issues between devices
- 🐛 Gray screen appears when entering data
- ⚠️ Poor performance with large transaction volumes
Savings Challenge
From 446 App Store ratingsWhat we love
- 👍 Simple and well-done app
- 💡 Unique individual envelopes
- 👍 Keeps users motivated
- 👍 App doesn't link to bank accounts
- 👍 Fun and engaging saving method
Room to improve
- 🐛 Glitches frequently
- 🤔 Unclear how money is sourced
- 🤔 Unclear how to withdraw funds
- 🐛 New update is problematic (hold down to register)
- 👎 High cost/subscription fee
Bugs and requests
Finance Tracker
Reported bugs
20 issues- App crashes when opening or using basic features
- Crashes when typing in Title field on iPad
- Full page gray screen when adding transactions
- Sync not working correctly on Mac app
- Budget section crashes when clicked
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- CSV import causes app crashes
- Shortcuts automation fails with Apple Pay
- Negative symbol cannot be entered for loan accounts
- Amount field bugs with certain currencies
- Decimal amount entry rounds incorrectly
- Multiple categories per transaction doubles amounts
- Remaining balance calculation shows negative incorrectly
- Charts and graphs not displaying
- Shared account sync issues between users
- Forced close every 10-20 seconds after updates
- App becomes laggy with thousands of transactions
- Language settings cannot be changed
- Lifetime purchase button non-functional
- Archived accounts disappear without warning
- Revenue popup closes immediately losing data
Requested features
26 requests- Automatic bank account synchronization (Saltedge integration)
- Direct transfers between accounts
- Multi-currency support with real-time conversion
- Zero-based budgeting option
- Monthly and yearly expense reports
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- Bi-weekly and four-weekly payment scheduling
- Credit card statement tracking
- Payee list for quick transaction entry
- Projected balance forecasting
- Multiple journal/account set support
- Ability to hide account balances from home screen
- Lend and borrow functionality
- Customizable app icons
- Time-range filtering for transactions
- Category-wise expense summation
- Monthly trend analysis and charts
- Sub-categories support
- Negative amount entry for loan accounts
- Balance adjustment to match bank records
- YouTube tutorial for app guidance
- Improved Siri Shortcuts with complete fields
- Faster transaction addition process
- Contact details on transactions
- Manual account sorting
- Larger/adjustable popup windows
- Better button placement and organization
Savings Challenge
Reported bugs
6 issues- App glitches quite a bit
- Hold down the amount to get it to register is dumb (new update issue)
- Cannot create own challenge, it doesn't save
- App is buggy, cannot press back arrow on most screens
- Total saved amount keeps changing and is inaccurate
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- Cannot access settings, they won't open
Requested features
14 requests- Allow skipping and filling other envelopes before completing smaller amounts
- Allow setting multiple active challenges
- Ability to edit challenges without deleting
- Ability to pick a random envelope to use
- Ability to create own challenges that save
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- Option to skip an envelope or unclick it to move on
- Option to 'catch up' on opening envelopes if behind
- Option to pay out on payday
- Include an optional random number generator
- Create $5s and $10s challenges
- Make challenges scratches, revealing saved amount and waiting until tomorrow to scratch again
- Bring back the old design/font
- Allow users to change currency (e.g., to £)
- Allow users to access settings to change challenge amounts
In-app purchases
Finance Tracker
- Monthly$2.991 Month
- Yearly7 Days trial$9.991 Year
- Accountit Plus Lifetime$19.99
Savings Challenge
- Monthly subscription3 Days trial$1.991 Month
- Weekly subscription3 Days trial$2.997 Days
- Monthly subscription2 variants$4.991 Month
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- Yearly subscription7 Days trial$5.991 Year
- Yearly subscription3 Days trial$11.991 Year
- Yearly subscription7 Days trial$11.991 Year
- Yearly subscription$11.991 Year
- Design Bundle$3.99
- Lifetime purchase$19.99
Questions
Is Finance Tracker free?
Is Savings Challenge free?
Which has better reviews, Finance Tracker or Savings Challenge?
Do Finance Tracker or Savings Challenge have ads?
Which is updated more often, Finance Tracker or Savings Challenge?
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