Comparison

Fineyo vs Spendy Smart

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

Spendy Smart

Features
Read full description

Take control of your finances with Spendy Smart. Add your expenses in seconds and see where your money really goes. Spendy Smart helps you understand your spending habits and plan better for the future. Whether you're saving for something special or just want to keep your budget under control, Spendy Smart helps you make every dollar count. Free features: • Quick and simple expense entry Spendy Smart Premium: • Beautiful charts to visualize your spending • Weekly, monthly, and yearly overviews • Advanced analytics and insights Spendy Smart Premium is available as an auto-renewable subscription. Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless canceled at least 24 hours before the end of the current period. You can manage and cancel your subscriptions in your App Store account settings. Manage your money easily. Spendy Smart, live better. Privacy Policy: https://docs.google.com/document/d/1NaAwh5n4eV7HqZVvtXbz-ctTnwIJjF9N8yM9S2q2qeQ Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Fineyo4 screens
Spendy Smart4 screens

Verdict

The call

The clearest difference is ads: Fineyo at none against Spendy Smart's shown. Fineyo also leads on update cadence (every 4 days vs monthly). On price, in-app purchases, device support and iOS requirement 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 Spendy Smart sells 3 in-app purchases, starting at $1.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Fineyo ships an update every 4 days, Spendy Smart monthly. The most recent releases landed on October 10, 2026 and September 19, 2026 respectively.

Scorecard2 real differences · 8 level
Fineyo versus Spendy Smart: the parameters behind the verdict, then further details
ParameterFineyoSpendy Smart
PriceFreeFree
Rating5.0 (11 ratings) — better—
Positive reviews81.8% of reviews—
Number of ratings11 — better—
Update frequencyEvery 4 days — betterMonthly
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhoneiPhone
Requires iOS16.4 — better17.0
Further details — not scored
Size105 MB58 MB
Age rating4+4+
DeveloperDeniss DubininsHleb Rastsisheuski

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

Spendy Smart

Subscriptions3
  • Premium access for a week$1.997 Days
  • Premium access for a month$4.991 Month
  • Premium access for a year7 Days trial$29.991 Year

Questions

Is Fineyo free?
Fineyo is free to download, with in-app purchases available.
Is Spendy Smart free?
Spendy Smart is free to download, with in-app purchases available.
Do Fineyo or Spendy Smart have ads?
Spendy Smart shows ads; Fineyo does not.
Which is updated more often, Fineyo or Spendy Smart?
Fineyo ships an update every 4 days, and Spendy Smart monthly. Most recently, Fineyo was updated on October 10, 2026 and Spendy Smart on September 19, 2026.

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