Comparison

Finance Tracker vs Savings Challenge

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

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.

Highlights
  • Envelope savings challenge tracker
  • Customizable savings goals
  • Daily money saving
  • Track progress towards goals
  • Surprise savings amounts
Features
Read full description

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

Finance Tracker4 screens
Savings Challenge4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
Finance Tracker versus Savings Challenge: the parameters behind the verdict, then further details
ParameterFinance TrackerSavings Challenge
PriceFreeFree
Rating4.4 (112 ratings)4.7 (446 ratings) — better
Positive reviews63.1% of reviews — better52.9% of reviews
Number of ratings112446 — better
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone
Requires iOS17.0 — better18.6
Further details — not scored
Size139 MB49 MB
Age rating4+4+
DeveloperDesignTech SIAMihail Kuznecovs

Customer experience

Finance Tracker

All ratings112 ratings
Positive84.8%
Neutral4.5%
Negative10.7%
Written reviews122 reviews
Positive63.1%
Neutral6.6%
Negative30.3%

Savings Challenge

All ratings446 ratings
Positive93.5%
Neutral1.8%
Negative4.7%
Written reviews34 reviews
Positive52.9%
Neutral8.8%
Negative38.2%

User reviews

Finance Tracker

From 112 App Store ratings

What 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 ratings

What 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
Show 15 more
  • 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
Show 21 more
  • 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
Show 1 more
  • 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
Show 9 more
  • 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

3 purchases

Finance Tracker

Subscriptions2
  • Monthly$2.991 Month
  • Yearly7 Days trial$9.991 Year
One-time1
  • Accountit Plus Lifetime$19.99
9 purchases

Savings Challenge

Subscriptions7
  • Monthly subscription3 Days trial$1.991 Month
  • Weekly subscription3 Days trial$2.997 Days
  • Monthly subscription2 variants$4.991 Month
Show 4 more
  • 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
One-time2
  • Design Bundle$3.99
  • Lifetime purchase$19.99

Questions

Is Finance Tracker free?
Finance Tracker is free to download, with in-app purchases available.
Is Savings Challenge free?
Savings Challenge is free to download, with in-app purchases available.
Which has better reviews, Finance Tracker or Savings Challenge?
Savings Challenge is rated higher. Finance Tracker averages 4.4 out of 5 from 112 ratings, while Savings Challenge averages 4.7 from 446 ratings.
Do Finance Tracker or Savings Challenge have ads?
Neither Finance Tracker nor Savings Challenge shows ads.
Which is updated more often, Finance Tracker or Savings Challenge?
Finance Tracker ships an update fortnightly, and Savings Challenge every 3 weeks. Most recently, Finance Tracker was updated on November 3, 2026 and Savings Challenge on November 7, 2026.

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