# Fold vs SpendSmart

The clearest difference is update cadence: Fold at every 5 days against SpendSmart's every 3 weeks. Fold also leads on iOS requirement (16.4 vs 18.6). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Fold ships an update every 5 days, SpendSmart every 3 weeks. The most recent releases landed on October 30, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Fold | SpendSmart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (9 ratings)](https://appshunter.io/ios/app/fold-expense-tracker-and-budget/id1626994334/reviews)** | — |
| Number of ratings | **9** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 3 weeks |
| Monetization | Freemium | — |
| Size | 208 MB | 2 MB |
| Requires iOS | **16.4** | 18.6 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Lunchbrake Classic Private Limited](https://appshunter.io/developer/1854133289) | [Brahmjot Singh Tatla](https://appshunter.io/developer/1816408948) |

## What reviewers say

### Fold

[App page](https://appshunter.io/ios/app/fold-expense-tracker-and-budget/id1626994334)

This app automatically tracks your bank accounts, credit cards, and investments in one place using secure connections. It provides insights into spending patterns, cash flow, and overall financial health without manual entry. Manage family finances and monitor credit scores with ease.

**Highlights:** Automatic expense tracking, Connects bank accounts and credit cards, Investment and net worth tracking, Credit score and loan monitoring, Shared family finances, AI-powered financial insights

**Features:** Vision Pro support

**In-app purchases:** none


### SpendSmart

[App page](https://appshunter.io/ios/app/spendsmart-expense-tracker/id6769875393)

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

**In-app purchases:** none


## Frequently asked questions

### Is Fold free?

Fold is free to download, with no in-app purchases.

### Is SpendSmart free?

SpendSmart is free to download, with no in-app purchases.

### Do Fold or SpendSmart have ads?

Neither Fold nor SpendSmart shows ads.

### Which is updated more often, Fold or SpendSmart?

Fold ships an update every 5 days, and SpendSmart every 3 weeks. Most recently, Fold was updated on October 30, 2026 and SpendSmart on October 28, 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.*