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 manage your finances with a powerful yet simple expense tracker. Log spending, create budgets, and gain clear insights into your financial habits. Designed for clarity and ease of use, it helps you build better financial habits.

Highlights
  • Expense & Income Tracker
  • Budget Planner
  • Spending Insights & Charts
  • Custom Categories
  • iCloud Sync
  • Offline Mode
Features
Read full description

A simple, private expense tracker. Log spending in seconds, set budgets that keep you on track, and see exactly where your money goes. No bank login needed. 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. ADD EXPENSES IN SECONDS Type an amount, pick a category, done. Or say it: "Coffee 4.50 today" and Fineyo fills in the details. A ready-made Shortcut can log your Apple Pay purchases automatically. SEE WHERE YOUR MONEY GOES One clean dashboard for all your accounts: bank, cards and cash. Charts show monthly trends and your biggest categories, so you can spot overspending before it adds up. BUDGETS THAT GUIDE YOU Set limits per category and get a gentle heads-up when you get close. No guilt, no pressure. Just enough to stay on track. ALL FEATURES - Expense and income tracking - Voice input - Category budgets with alerts - Spending charts and monthly insights - Multiple accounts: bank, cards, cash - Shared spaces with family or roommates - Multi-currency support - Custom categories with emoji - Apple Pay logging with Shortcuts - Search and filters - CSV export - iCloud sync across your devices - Works offline - Dark mode, themes 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 PRO Fineyo is free to start. Pro unlocks unlimited categories, budgets and accounts, iCloud sync, shared spaces, CSV export, Apple Pay logging, 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). Smart Budget's advantage is device support (3 vs 1). 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 3 in-app purchases, starting at $3.99 per month and Smart Budget sells 3 in-app purchases, starting at $1.99 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 — 11 and 20 respectively. Written reviews split almost evenly too, at 82% and 83% positive.

UpkeepUpdate frequency

Fineyo ships an update every 4 days, Smart Budget every 3 weeks. The most recent releases landed on October 10, 2026 and October 18, 2026 respectively.

Scorecard3 real differences · 7 level
Fineyo versus Smart Budget: the parameters behind the verdict, then further details
ParameterFineyoSmart Budget
PriceFreeFree
Rating5.0 (11 ratings) — better4.3 (20 ratings)
Positive reviews81.8% of reviews82.6% of reviews — better
Number of ratings1120 — better
Update frequencyEvery 4 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhoneiPhone, iPad, Mac — better
Requires iOS16.4 — better17.0
Further details — not scored
Size105 MB172 MB
Age rating4+4+
DeveloperDeniss DubininsMICHAEL JOHN S WILLER

Customer experience

Fineyo

All ratings11 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews11 reviews
Positive81.8%
Neutral0.0%
Negative18.2%

Smart Budget

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

In-app purchases

3 purchases

Fineyo

Subscriptions2
  • Monthly Premium3 Days trial$3.991 Month
  • Annual Premium7 Days trial$24.991 Year
One-time1
  • Lifetime$34.99
3 purchases

Smart Budget

Subscriptions3
  • Weekly$1.997 Days
  • Monthly$5.991 Month
  • Annual3 Days trial$39.991 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 11 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 October 10, 2026 and Smart Budget on October 18, 2026.

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