Comparison

MoneyDiary® vs SimpleMoney

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

Head to head
About

MoneyDiary®

This personal finance app helps you manage money, bills, income, and expenses across various accounts. It offers quick entry, detailed analysis, and secure, private data storage directly on your device.

Highlights
  • Manage income and expenses
  • Track checking and credit accounts
  • Quick entry with auto-copy
  • Spreadsheet-like functions
  • Search payments by name or date
  • Export data to spreadsheets
  • Automatic backup
Features
Read full description

MoneyDiary® 12.0 - 
Manage money, bills, income, expenses, checking and credit accounts, anytime, anywhere, with your personal MoneyDiary®. Why MoneyDiary®? • It works. • 
Easy to Use. •
 Quick Entry. 
 • Full Featured. • Expandable. 
 • Dependable. 
 • Safe, Secure, and Fast. • Affordable. 
 • Reliable. 
 • The first step toward financial freedom. - It works. “I have been using the MoneyDiary® for about 25 years now. The MoneyDiary® has all the basics of data integrity with above and beyond functionality. It is awesome and unique. But what I like the most about the MoneyDiary® is how its design embraces privacy and ease of use, simply by allowing personal customization by each and every customer. I get to make my entries in my own language, using familiar words and phrases that I use every day. It’s great.” - Easy to use. If you know how to use an iPhone® and write checks, you can use the MoneyDiary®. It works in almost any language and currency your iPhone® supports. There are tips and more, if you need it, at www.moneydiarycentral.com. - Quick entry. The NewCopy feature automatically copies a prior entry and updates it with today's date. - Full featured. MoneyDiary® is a stand-alone system. Sure, it tracks cash, checking and credit accounts, but MoneyDiary® has unique features that set it apart from any competitor. 1. It has spreadsheet like functions you normally find only on your desktop. 
 2. You can immediately recall any payment by a partial name, word, or date range. 3. You can view and instantly summarize your bills, income, and expenses, based on any value or combination of values (above and beyond categories). Why move your data to your desktop to analyze or summarize, do it right on your iPhone®, instantly. - Expandable. The Email/Export feature allows you to import all or selected MoneyDiary® entries to a spreadsheet on your laptop or desktop. You may even email an individual entry as a receipt, invoice, or itemized report, all with a simple touch by you. - Dependable. Your MoneyDiary® entries are automatically backed up as part of the System backup when you Sync. - Safe, Secure and Fast. The MoneyDiary® is a native app, meaning it resides on your device and is therefore much faster. You never have to upload your personal financial information to the Internet, making it extremely safe and secure. - Affordable. At 99 cents, need we say more? Substantially less than one missed tax deduction or overdrawn check fee. - Reliable. The MoneyDiary® has been helping homeowners and independent business people make money and benefit from hard earned tax breaks for over 25 years. That's how it got to be so small and powerfully efficient. - The first step toward financial freedom. Ask any Financial Planner, keep a financial diary, the MoneyDiary® is your first step. MoneyDiary® 12.0 Try it, be in control. Take action, buy it today! iPhone® is a trademark of Apple Inc., registered in the U.S. and other countries. MoneyDiary® is a registered trademark of T.A. Esquivel/Withyou Computer Systems.

About

SimpleMoney

Manage your household finances with this intuitive cash book app. Track income, expenses, and loans with detailed statistics and customizable categories. Supports multiple languages and offers cross-device compatibility.

Highlights
  • Income, expense, and loan tracking
  • Scheduled entries (daily, weekly, monthly)
  • Customizable expense categories with colors
  • Searchable entries by title, date, and category
  • PDF export of income/expense reports
  • Statistical overview of finances
  • Multi-language support
Read full description

SimpleMoney is a simple cash book app for the household! (Languages ​​supported: English, German, French, Spanish, Italian) The SimpleMoney app is a simple household book and more! It has never been so easy to be on top of your finances. Many features and attention to detail make this app unique. Pay once and you will receive the app for iOS, iPadOS and macOS. More languages are added. In addition, the app is constantly being improved and updates made available. - 4 Widgets with different Colors (iOS/iPadOS 14 & macOS 11) - Keep track of your Income, Expense & Loans! - Add, Edit or/and Duplicate your Entries - Schedule the income/expense (once, weekly or monthly) - Choose a color for your expense categories - Search for title, date & (category) - Export to a PDF (Table) of your Income/Expense - Calendar to track your Entries - track your balance, to see if you are in the plus - see your statistic for your income, expense - also see the statistic for your expense category - you can add your own currency shortcuts - add your own Expense category(with Color) - favor your favourite Currency/Category - supports dark and light mode this app gets frequently updates!

Screenshots

MoneyDiary®4 screens
SimpleMoney4 screens

Verdict

The call

The clearest difference is price: SimpleMoney at Free against MoneyDiary®'s $0.99. SimpleMoney also leads on review sentiment (67% vs 25%) and update cadence (monthly vs every 30 months). MoneyDiary®'s advantage is in-app purchases (none vs 3). On ads, monetization model, 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

SimpleMoney is free to download; MoneyDiary® costs $0.99 up front. SimpleMoney sells 3 one-off in-app purchases. MoneyDiary® asks for nothing beyond the download.

UpkeepUpdate frequency

MoneyDiary® ships an update every 30 months, SimpleMoney monthly. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
MoneyDiary® versus SimpleMoney: the parameters behind the verdict, then further details
ParameterMoneyDiary®SimpleMoney
Price$0.99Free — better
Rating2.9 (9 ratings) — better—
Positive reviews25.0% of reviews66.7% of reviews — better
Number of ratings9 — better—
Update frequencyEvery 30 monthsMonthly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationPaidPaid
DevicesiPhone, iPad, iPodiPhone, iPad, iPod, Mac — better
Requires iOS12 — better13.0
Further details — not scored
Size2 MB17 MB
Age rating4+4+
DeveloperT.A. Esquivel/Withyou Computer SystemsDavid Koenig

Customer experience

MoneyDiary®

All ratings9 ratings
Positive44.4%
Neutral0.0%
Negative55.6%
Written reviews8 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

SimpleMoney

Written reviews6 reviews
Positive66.7%
Neutral16.7%
Negative16.7%

In-app purchases

None

MoneyDiary®

No in-app purchases

3 purchases

SimpleMoney

One-time3
  • Croissant$0.99
  • Coffee$1.99
  • Meal$3.99

Questions

Is MoneyDiary® free?
MoneyDiary® costs $0.99, with no in-app purchases.
Is SimpleMoney free?
SimpleMoney is free to download, with in-app purchases available.
Do MoneyDiary® or SimpleMoney have ads?
Neither MoneyDiary® nor SimpleMoney shows ads.
Which is updated more often, MoneyDiary® or SimpleMoney?
MoneyDiary® ships an update every 30 months, and SimpleMoney monthly. Most recently, MoneyDiary® was updated on November 1, 2026 and SimpleMoney on November 3, 2026.

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