Comparison

Fineyo vs Smart Budget

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

Head to head
About

Fineyo

Effortlessly track your spending with voice commands, Siri integration, and automated logging of Apple Pay and bank notifications. Visualize your finances with insightful charts and set budgets with helpful alerts. Share financial spaces with family or roommates for collaborative budgeting.

Highlights
  • Voice input with AI
  • Siri, Spotlight, and Shortcuts integration
  • Automated transaction logging
  • Customizable budgets with alerts
  • Shared financial spaces
  • Detailed spending reports and charts
  • Offline functionality
Features
Read full description

A simple, private expense tracker. Log spending in seconds by typing, speaking or asking Siri, set budgets that keep you on track and see exactly where your money goes. No bank login needed. JUST SAY IT Say "Coffee 4.50 and groceries 32 today" and Fineyo AI turns it into transactions with the right categories and accounts. It runs on your iPhone with Apple Intelligence, so what you say never leaves your device. ASK SIRI ABOUT YOUR MONEY "How much did I spend on groceries last month?" "How much is left in my budget?" "What's my net worth?" Siri answers with your real numbers and can add an expense or income hands-free. Works in Spotlight and Shortcuts too. EXPENSES THAT LOG THEMSELVES Ready-made Shortcuts automations record your Apple Pay payments and bank notifications for you, and can save where you paid. Press the Action button or tap the back of your iPhone to add a transaction from anywhere. POWERFUL WIDGETS AND APPLE WATCH Keep balances, budgets, top categories, recent and upcoming transactions on your Home Screen, Lock Screen and in the Smart Stack. Add an expense straight from Control Center. The Apple Watch app with complications puts today's spending and your budgets on your wrist. SHARED SPACES, WHEN YOU NEED THEM Managing money with a partner, family or roommates? Create a shared space and invite them with a link. Everyone adds expenses from their own iPhone, sees the same budgets and knows who added what. Your Personal space stays separate. SEE WHERE YOUR MONEY GOES One clean dashboard for all your accounts: bank, cards and cash. Charts show trends and your biggest categories, and the spending map shows where you spend. On the 1st of each month, a report tells you what went well, what needs attention and how to do better. An evening summary recaps what you spent today. BUDGETS AND BILLS UNDER CONTROL Set limits per category and get a gentle heads-up when you get close. Recurring transactions add subscriptions and bills automatically, with a reminder the day before each one. No guilt, no surprises. ALL FEATURES - Expense and income tracking - Voice input with Fineyo AI (Apple Intelligence) - Siri, Spotlight and Shortcuts actions - Apple Pay and bank notification automations - Home Screen, Lock Screen and Control Center widgets - Apple Watch app with complications - Category budgets with alerts - Monthly reports and daily summary - Spending charts and spending map - Recurring transactions with reminders - Receipt photos - Multiple accounts: bank, cards, cash - Shared spaces with family or roommates - Multi-currency with travel currency and daily exchange rates - Custom categories with icons and emoji - Search, filters and CSV export - iCloud sync across your iPhone and iPad - Works offline - Dark mode, theme colors and custom app icons PRIVATE BY DESIGN No bank login needed. Your data lives on your devices and in your own iCloud, not on our servers. Fineyo AI runs on your device too. FINEYO PRO Fineyo is free to start. Pro unlocks unlimited categories, budgets, accounts and recurring transactions, iCloud sync, shared spaces, Siri insights, monthly reports, the spending map, receipt photos, all widgets, Apple Watch charts, themes and app icons. Pro works with Family Sharing, so one subscription covers your family. Whether you're saving for a trip, building an emergency fund or just trying to stop overspending, Fineyo helps you build better money habits. Terms of Use https://fineyo.app/terms-of-use Privacy Policy https://fineyo.app/privacy-policy

About

Smart Budget

Effortlessly track your spending and manage budgets with automatic transaction logging from Apple Pay. Features include smart budgeting, subscription management, and receipt scanning. Simplify your finances without manual data entry.

Highlights
  • Automatic expense tracking
  • Smart monthly budget planner
  • Free budget tracker tools
  • Receipt tracker with OCR
  • Subscription manager
  • Widgets for instant insights
  • Custom categories and budgets
Features
Read full description

Track Spending Automatically. Budget Without the Headache. WalletPal is a powerful expense track and budgeting and spending tracking app designed specifically for people who use Apple Pay. No more logging every purchase manually. With WalletPal, your tap-to-pay transactions are automatically tracked — including the name, amount, location, date, and category. Budgeting just got easier. *Features You’ll Actually Use:* - Automatic Expense Tracking Tap to pay and forget it — WalletPal logs the transaction instantly with all details. - Smart Monthly Budget Planner Create a simple budget for your daily, weekly, or monthly expenses and receive notifications when you're close to overspending. - Free Budget Tracker Tools Import/export your data in CSV, filter transactions, and analyze spending — all included in the free version. - Receipt Tracker with OCR Snap a photo of a receipt and let WalletPal add it as a new expense automatically. - Subscription Manager Effortlessly manage subscriptions and get reminders for recurring bills. - Widgets for Instant Insights Track your spending, upcoming payments, and progress toward your money goals — right from your home screen. - Custom Categories & Budgets Tailor WalletPal to your lifestyle with custom tracking for each area of your life. Whether you're trying to track spending, manage your monthly bill planner, or just need a spending tracker that works with you — WalletPal is the budget app that fits. Download WalletPal now and simplify your finances — no spreadsheets needed.

Screenshots

Fineyo4 screens
Smart Budget4 screens

Verdict

The call

The clearest difference is rating: Fineyo at 5.0 against Smart Budget's 4.3. Fineyo also leads on update cadence (every 4 days vs every 3 weeks). On price, review sentiment, ratings volume and ads 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. Fineyo sells 4 in-app purchases, starting at $0.99 per 7 days and Smart Budget sells 3 in-app purchases, starting at $2.99 per 7 days. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Fineyo holds the better App Store score, 5.0 against 4.3. Both are backed by a comparable volume of ratings — 12 and 20 respectively. Written reviews split almost evenly too, at 83% and 83% positive.

UpkeepUpdate frequency

Fineyo ships an update every 4 days, Smart Budget every 3 weeks. The most recent releases landed on November 7, 2026 and November 8, 2026 respectively.

Scorecard2 real differences · 8 level
Fineyo versus Smart Budget: the parameters behind the verdict, then further details
ParameterFineyoSmart Budget
PriceFreeFree
Rating5.0 (12 ratings) — better4.3 (20 ratings)
Positive reviews83.3% of reviews — better82.6% of reviews
Number of ratings1220 — better
Update frequencyEvery 4 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, Apple WatchiPhone, iPad, Mac — better
Requires iOS16.4 — better17.0
Further details — not scored
Size164 MB172 MB
Age rating4+4+
DeveloperDeniss DubininsMICHAEL JOHN S WILLER

Customer experience

Fineyo

All ratings12 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews18 reviews
Positive83.3%
Neutral0.0%
Negative16.7%

Smart Budget

All ratings20 ratings
Positive90.0%
Neutral0.0%
Negative10.0%
Written reviews23 reviews
Positive82.6%
Neutral8.7%
Negative8.7%

In-app purchases

4 purchases

Fineyo

Subscriptions3
  • Weekly3 Days trial$0.997 Days
  • Monthly Premium3 Days trial$3.991 Month
  • Annual Premium7 Days trial$24.991 Year
One-time1
  • Lifetime$44.99
3 purchases

Smart Budget

Subscriptions3
  • Weekly$2.997 Days
  • Monthly$6.991 Month
  • Annual3 Days trial$49.991 Year

Questions

Is Fineyo free?
Fineyo is free to download, with in-app purchases available.
Is Smart Budget free?
Smart Budget is free to download, with in-app purchases available.
Which has better reviews, Fineyo or Smart Budget?
Fineyo is rated higher. Fineyo averages 5.0 out of 5 from 12 ratings, while Smart Budget averages 4.3 from 20 ratings.
Do Fineyo or Smart Budget have ads?
Neither Fineyo nor Smart Budget shows ads.
Which is updated more often, Fineyo or Smart Budget?
Fineyo ships an update every 4 days, and Smart Budget every 3 weeks. Most recently, Fineyo was updated on November 7, 2026 and Smart Budget on November 8, 2026.

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