Comparison

Tracky vs Allowance

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

Head to head
About

Tracky

Easily manage your finances by tracking expenses and creating custom budgets. Allocate funds into categories like groceries or hobbies, and monitor your remaining balance with automatic calculations. Securely manage your money without linking bank accounts.

Highlights
  • Create and manage budgets
  • Track expenses with custom categories
  • Automatic remaining budget calculation
  • Notifications for budget progress
  • Expense history and analysis
  • Recurring budget options
  • iCloud sync across devices
  • Home and lock screen widgets
Features
Read full description

Tracky: Simple Budget Tracker is the simplest and fastest app to manage your budgets, track your expenses, and save money on the go. Take control of your budget by allocating your expenses into different envelopes such as groceries, salary, fuel, hobbies, shopping, vacations, and more. Whether it's recurring expenses or special events, Tracky lets you track your monthly or one-time budgets. Track your expenses and make the most of your savings with Tracky’s automatic calculation of your remaining budget. This fast and easy budget tracking tool is suitable for everyone, regardless of their expertise in budget management. Rest assured, Tracky doesn't require any connection to your bank account, ensuring your data and privacy remain secure. Why should you use Tracky: Simple Budget Tracker? - Quick and easy - Free - Allocate your budget - Track your expenses - Enjoy your savings - No sign-up or login required - No bank account needed - Private & secure: we don't collect your data, it's safe for you - Automatic iCloud sync to share data across multiple devices logged in to the same iCloud account === TRACKY: SIMPLE BUDGET TRACKER FEATURES === - Create and manage your budgets - Add and customize your operations: name, amount, date, icon, color - Automatic calculation of your remaining budget - Stay informed about your budget's progress with notifications - Keep a history of your expenses - Save time by reusing recurring budgets - Easily share your data across multiple devices logged in to the same iCloud account - Widgets: instantly monitor your budget from your lock screen and home screen How to use Tracky: Simple Budget Tracker: 1. Create a budget and give it a name (e.g., "July") 2. Define and customize your envelopes (e.g., "Groceries," "Fuel," "Hobbies") 3. Add your expenses to the envelopes 4. Enter the expense name and amount 5. Personalize the expense by selecting an icon and color 6. Continue adding your expenses as you go, and Tracky will calculate the remaining budget As you can see, Tracky: Simple Budget Tracker is incredibly simple and fast to use. It's the perfect solution for tracking your expenses and budgets without wasting time on understanding the app or linking your bank account, which could compromise your data. Managing your expenses has never been easier, faster, and more efficient. Easily set and monitor your monthly or one-time budgets. Modify them anytime to adapt to your financial situation. Track your expenses accurately and identify areas where you can save. Dive into the detailed expense history for a deeper analysis of your spending habits. Identify trends, strengths, and areas for improvement to optimize your budget. Tracky is the easiest and most convenient app to track your budgets, so what are you waiting for? Download Tracky: Simple Budget Tracker now! *** Our app is FREE to use. However, you can become premium with in-app purchases. You'll have unlimited budgets, envelopes, and expenses, and no ads will be displayed to ensure optimal user experience. All prices are in euros (EUR). Prices in other currencies and countries may vary depending on the country of residence. Thank you for using Tracky: Simple Budget Tracker. Support us by sharing the app with your loved ones and giving us a 5-star rating on the App Store. Your support will enable us to continue improving the app and provide you with an even better financial management experience. Privacy Policy: https://lowly.notion.site/Privacy-Policy-364375656a694f7f9ec206cc001c899c?pvs=4 Terms & Conditions: https://lowly.notion.site/Terms-Conditions-0debe53270c3403fad1926e3ea0abcbd?pvs=4

About

Allowance

This app helps you manage your personal finances by allowing you to set budgets and track your spending. You can define budget amounts and term lengths, then log transactions to stay within your financial limits and adjust your budget as needed.

Highlights
  • Set custom budgets
  • Define budget term lengths
  • Track individual transactions
  • Monitor remaining balance
  • Reset and adjust budgets
Read full description

Do you struggle to keep track of your spending? Are you tired of constantly overspending and not knowing where your money goes? Introducing Allowance, the app that helps you take control of your finances. With Allowance, you can set a budget and term length for your spending, and track your transactions to make sure you stay within your budget. Here's how it works: 1. Set your budget: Choose the amount of money you want to spend in the next term. This can be a week, a month, or any other period of time that suits you. 2. Set your term length: Choose the length of your budget term. This is the amount of time your budget will last for, and can be adjusted to suit your needs. 3. Track your spending: Every time you make a transaction, enter the amount in the app. Allowance will deduct it from your budget and show you how much you have left to spend. 4. Stay on track: With Allowance, you'll always know how much you can afford to spend. You can check your remaining balance at any time, and see how much you've spent over the course of the term. 5. Reset and adjust: Reflect and reset your budget to adjust for an amount that suits your spending goals. Take control of your finances and start managing your money better with Allowance. Download now and start your financial journey today. Privacy Policy: https://docs.google.com/document/d/11aLF5yTi7oGAc0p69tcA2I3d0whQEThRsYTr1Q1Fz6M/edit?pli=1#heading=h.sqyldmridf41 EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Tracky4 screens
Allowance4 screens

Verdict

The call

The clearest difference is in-app purchases: Allowance at none against Tracky's 10. Allowance also leads on ads (none vs shown) and rating (5.0 vs 4.6). Tracky's advantage is ratings volume (124 vs 3). On price and update cadence 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. Tracky sells 6 in-app purchases, starting at $1.99 per month. Allowance asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Allowance holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Tracky has 124 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 85% of Tracky's written reviews are positive against 100% of Allowance's.

UpkeepUpdate frequency

Tracky ships an update every 2 weeks, Allowance weekly. Both last shipped on November 3, 2026.

Scorecard8 real differences · 2 level
Tracky versus Allowance: the parameters behind the verdict, then further details
ParameterTrackyAllowance
PriceFreeFree
Rating4.6 (124 ratings)5.0 (3 ratings) — better
Positive reviews84.8% of reviews100.0% of reviews — better
Number of ratings124 — better3
Update frequencyEvery 2 weeksWeekly — better
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS18.011.0 — better
Further details — not scored
Size87 MB32 MB
Age rating4+4+
DeveloperAdrien CarvalotJames Kokoska

Customer experience

Tracky

All ratings124 ratings
Positive89.5%
Neutral2.4%
Negative8.1%
Written reviews79 reviews
Positive84.8%
Neutral6.3%
Negative8.9%

Allowance

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Tracky

Reported bugs

8 issues
  • App opens to wrong month despite correct title display
  • Requires multiple swipes to navigate to current month
  • Entries disappear when switching networks
  • App doesn't always open to the correct page
  • Premium mode requires frequent reactivation
Show 3 more
  • Inability to create new expenses without premium after 5 entries
  • Ads require multiple views before input saves on poor connections
  • Transactions load incorrectly until envelope is clicked and exited

Requested features

17 requests
  • Monthly visual reset for progress bars while maintaining history
  • Mac/desktop application version
  • Ability to reset envelopes monthly without creating new budgets
  • Budget sharing feature for couples and shared accounts
  • Planned/future expense tracking with adjusted balance view
Show 12 more
  • Transfer functionality between envelopes
  • Direct income allocation without envelope requirement
  • More transaction icons (currently limited to ~20-30)
  • Additional color options
  • Due date functionality for envelopes
  • Quick-add expense widget
  • View all transactions under a budget organized by date
  • Ability to delete all expenses in an envelope at once
  • Custom initial budget amount display instead of net balance
  • Bank transaction reconciliation/check-off system
  • Toggle between spent and remaining amount display
  • Archive functionality for monthly expenses

Allowance

Not enough reviews yet to summarise bugs or requests.

In-app purchases

6 purchases

Tracky

Subscriptions4
  • Premium3 Days trial3 variants$1.991 Month
  • Premium$4.991 Month
  • Premium7 Days trial$19.991 Year
Show 1 more
  • Premium7 Days trial2 variants$29.991 Year
One-time2
  • Premium$4.99
  • Premium2 variants$49.99
None

Allowance

No in-app purchases

Questions

Is Tracky free?
Tracky is free to download, with in-app purchases available.
Is Allowance free?
Allowance is free to download, with no in-app purchases.
Which has better reviews, Tracky or Allowance?
Allowance is rated higher. Tracky averages 4.6 out of 5 from 124 ratings, while Allowance averages 5.0 from 3 ratings.
Do Tracky or Allowance have ads?
Tracky shows ads; Allowance does not.
Which is updated more often, Tracky or Allowance?
Tracky ships an update every 2 weeks, and Allowance weekly. Most recently, Tracky was updated on November 3, 2026 and Allowance on November 3, 2026.

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