Fineyo vs Spendy Smart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Expense & Income Tracker
- Budget Planner
- Spending Insights & Charts
- Custom Categories
- iCloud Sync
- Offline Mode
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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
Spendy Smart
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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
Verdict
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
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.
Fineyo ships an update every 4 days, Spendy Smart monthly. The most recent releases landed on October 10, 2026 and September 19, 2026 respectively.
| Parameter | Fineyo | Spendy Smart |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (11 ratings) — better | — |
| Positive reviews | 81.8% of reviews | — |
| Number of ratings | 11 — better | — |
| Update frequency | Every 4 days — better | Monthly |
| Ads | No — better | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | — |
| Devices | iPhone | iPhone |
| Requires iOS | 16.4 — better | 17.0 |
| Further details — not scored | ||
| Size | 105 MB | 58 MB |
| Age rating | 4+ | 4+ |
| Developer | Deniss Dubinins | Hleb Rastsisheuski |
In-app purchases
Fineyo
- Monthly Premium3 Days trial$3.991 Month
- Annual Premium7 Days trial$24.991 Year
- Lifetime$34.99
Spendy Smart
- 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









