# Finance Tracker vs Savings Challenge

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.

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.

## The numbers

| Metric | Finance Tracker | Savings Challenge |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (112 ratings)](https://appshunter.io/ios/app/finance-tracker-accountit/id1559425430/reviews) | **[4.7 (446 ratings)](https://appshunter.io/ios/app/savings-challenge-savelope/id1578843165/reviews)** |
| Number of ratings | 112 | **446** |
| Positive reviews | **63.1% of reviews** | 52.9% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Freemium | Free with in-app purchases |
| Size | 139 MB | 49 MB |
| Requires iOS | **17.0** | 18.6 |
| Devices | **iPhone, iPad, Mac, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [DesignTech SIA](https://appshunter.io/developer/1540325368) | [Mihail Kuznecovs](https://appshunter.io/developer/1467148695) |

## What reviewers say

### Finance Tracker

[App page](https://appshunter.io/ios/app/finance-tracker-accountit/id1559425430)

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:** Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $2.99 | per month |
| Yearly | $9.99 | per year |
| Accountit Plus Lifetime | $19.99 | one-time |

**What reviewers like**

- 🎨 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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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

**Requested features**

- 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


### Savings Challenge

[App page](https://appshunter.io/ios/app/savings-challenge-savelope/id1578843165)

This app helps you achieve savings goals through a fun envelope challenge. You can use pre-set challenges or create your own with custom savings amounts and envelope numbers. It offers a unique and engaging way to build a savings routine.

**Highlights:** Envelope savings challenges, Customizable savings goals, Daily envelope saving, Motivation for saving, Digital money tracking

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (9)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly subscription | $1.99 | per month |
| Weekly subscription | $2.99 | per 7 days |
| Monthly subscription | $4.99 | per month |
| Yearly subscription | $5.99 | per year |
| Yearly subscription | $11.99 | per year |
| Yearly subscription | $11.99 | per year |
| Yearly subscription | $11.99 | per year |
| Design Bundle | $3.99 | one-time |
| Lifetime purchase | $19.99 | one-time |

**What reviewers like**

- 👍 Simple and well-done app
- 💡 Unique individual envelopes
- 👍 Keeps users motivated
- 👍 App doesn't link to bank accounts
- 👍 Fun and engaging saving method

**What reviewers complain about**

- 🐛 Glitches frequently
- 🤔 Unclear how money is sourced
- 🤔 Unclear how to withdraw funds
- 🐛 New update is problematic (hold down to register)
- 👎 High cost/subscription fee

**Reported bugs**

- 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

**Requested features**

- 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


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