# Tracky vs Allowance

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.

Both are free to download. Tracky sells 6 in-app purchases, starting at $1.99 per month. Allowance asks for nothing beyond the download.

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.

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

## The numbers

| Metric | Tracky | Allowance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (124 ratings)](https://appshunter.io/ios/app/tracky-simple-budget-planner/id1663043762/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/allowance/id6463812712/reviews)** |
| Number of ratings | **124** | 3 |
| Positive reviews | 84.8% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 87 MB | 32 MB |
| Requires iOS | 18.0 | **11.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Adrien Carvalot](https://appshunter.io/developer/1498484091) | [James Kokoska](https://appshunter.io/developer/1704737685) |

## What reviewers say

### Tracky

[App page](https://appshunter.io/ios/app/tracky-simple-budget-planner/id1663043762)

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:** macOS Compatibility, Family Sharing, Siri integration, Vision Pro support

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $1.99 | per month |
| Premium | $4.99 | per month |
| Premium | $19.99 | per year |
| Premium | $29.99 | per year |
| Premium | $4.99 | one-time |
| Premium | $49.99 | one-time |

**What reviewers like**

- 👍 Simple and intuitive user interface
- 🎨 Clean, modern, and visually appealing design
- 💰 Affordable pricing with lifetime premium option
- 📱 Excellent widget and home screen integration
- 🎯 Effective envelope budgeting system

**What reviewers complain about**

- 🐛 Navigation bug: app loads wrong month's envelopes
- 💾 Data loss when switching devices without backup
- 🔄 Sync issues causing entries to disappear on network changes
- 📱 Not available for Mac/desktop
- 💳 Paywall appears frequently in free version

**Reported bugs**

- 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

**Requested features**

- 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


### Allowance

[App page](https://appshunter.io/ios/app/allowance/id6463812712)

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

**In-app purchases:** none


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