Comparison

Fineyo vs Spending Tracker

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 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

Spending Tracker

Easily track expenses, split bills, and manage money with others. Features AI receipt scanning, voice input, and customizable tracking spaces for personal or shared finances. Get real-time budget updates and spending analytics.

Highlights
  • AI receipt scanning
  • Voice transaction input
  • Customizable tracking spaces
  • Expense splitting
  • Real-time budget updates
  • Spending analytics
Features
Read full description

Budget Ally: Track & Share Expenses Effortlessly Split bills, track spending, and manage money with anyone - partners, family, or friends. Key Features: • Scan receipts using AI • Input transactions using your voice • Create custom tracking spaces for different needs (personal, shared, travel) • Split expenses and track who paid what • Real-time budget updates and spending analytics • Dark & light mode • Customizable categories with icons Perfect for: • Couples sharing household expenses • Roommates splitting bills • Family budgeting • Travel expenses with friends • Personal finance tracking Download now and take control of your finances!

Screenshots

Fineyo4 screens
Spending Tracker4 screens

Verdict

The call

The clearest difference is rating: Fineyo at 5.0 against Spending Tracker's 3.7. Fineyo also leads on ratings volume (12 vs 3). On price, update cadence, ads and in-app purchases 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 Spending Tracker sells 4 in-app purchases, starting at $2.99 per month. 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 3.7. Both are backed by a comparable volume of ratings — 12 and 3 respectively.

UpkeepUpdate frequency

Fineyo ships an update every 4 days, Spending Tracker every 5 days. The most recent releases landed on November 3, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 8 level
Fineyo versus Spending Tracker: the parameters behind the verdict, then further details
ParameterFineyoSpending Tracker
PriceFreeFree
Rating5.0 (12 ratings) — better3.7 (3 ratings)
Positive reviews81.3% of reviews—
Number of ratings12 — better3
Update frequencyEvery 4 days — betterEvery 5 days
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, Apple WatchiPhone, iPod
Requires iOS16.415.1 — better
Further details — not scored
Size164 MB37 MB
Age rating4+4+
DeveloperDeniss DubininsJeffrey Kehler

Customer experience

Fineyo

All ratings12 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews16 reviews
Positive81.3%
Neutral0.0%
Negative18.8%

Spending Tracker

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%

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
4 purchases

Spending Tracker

Subscriptions2
  • Premium (Monthly)7 Days trial$2.991 Month
  • Premium (Annual)7 Days trial$24.991 Year
One-time2
  • Premium (Limited time offer)Free
  • Premium (Lifetime)$59.99

Questions

Is Fineyo free?
Fineyo is free to download, with in-app purchases available.
Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Which has better reviews, Fineyo or Spending Tracker?
Fineyo is rated higher. Fineyo averages 5.0 out of 5 from 12 ratings, while Spending Tracker averages 3.7 from 3 ratings.
Do Fineyo or Spending Tracker have ads?
Neither Fineyo nor Spending Tracker shows ads.
Which is updated more often, Fineyo or Spending Tracker?
Fineyo ships an update every 4 days, and Spending Tracker every 5 days. Most recently, Fineyo was updated on November 3, 2026 and Spending Tracker on October 24, 2026.

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