Comparison

Pico Spend vs Simple Spendings

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

Head to head
About

Pico Spend

Easily track your daily expenses with a calculator-like interface and detailed reports. Analyze spending by category, view summaries, and export data. Includes an Apple Watch app for on-the-go tracking.

Highlights
  • Quick expense entry
  • Detailed spending reports
  • Category-based analysis
  • Apple Watch app
  • iCloud backup
  • Passcode protection
Features
Read full description

Pico Spend is a simple, intuitive expense tracker with robust reporting and drill-down capabilities for everyday spending analysis. Pico Spend is a private expense tracker that stores all spending data on your iPhone. It doesn’t require external servers, account creation, or any helper apps. Data connection is unnecessary for expense entry and reporting, as Pico Spend works completely offline. There are no subscriptions or in-app purchases with Pico Spend. It comes as a one-time purchase with an Apple Watch app included. You can also try Pico Spend Lite - a free version with limited functionality. FEATURES • Track your expenses right after the app launch - no servers or accounts needed • Calculator-like screen for quick expense entry • Expense categories are pre-populated, but fully customizable • Dashboard with up to four configurable periods for quick spending overview • List of your expenses day by day, searchable and editable • Summary reports of your data - daily, weekly, monthly, or by expense category • Option to define a comparison period for parallel analysis with the current reporting period • Reports can be presented in drill-down tables, bar graphs, pie charts, or PDF documents • Print, email, or share PDF reports directly from within the app • Spending data can be exported in CSV format, which is convenient for use in various spreadsheet programs • Backup and restore all spending data to iCloud • Optional passcode protection upon launch • Foreign currency conversion • Bundled Apple Watch app for a quick overview of your spending for the current day

About

Simple Spendings

Features
Read full description

No subscriptions. No ads. No data tracking. Just a clean, powerful tool that helps you stay mindful of your spending. Simple Spendings is your financial single source of truth that puts you in control. By entering your expenses you stay aware of your habits - while smart suggestions make adding new items effortless and fast. Why Simple Spendings? - Manual input, mindful tracking - Stay aware of your spending, one entry at a time. - Smart suggestions - The app remembers your recent spendings to speed up new entries. - Multi-currency support - Track expenses in any currency, ideal for travelers and global users. - Category insights - Instantly see totals, averages, and trends across all your categories. - Future estimates - Get projections of upcoming expenses based on your past patterns. - Private cloud sync - Your data is stored securely and synced across your devices. No one else can access it, just you! - Import & export (JSON) - Easily back up or move your data between devices. - Cross-device simplicity - Works seamlessly on iPhone, iPad, and Mac. - Light and Dark modes - follows system's colour theme. - Completely free - No paywalls, no ads, and no tracking. Just simplicity and privacy. Stay aware, not overwhelmed Simple Spendings is designed to make budgeting clear and effortless. It's not about automation - it's about awareness. You enter each spending mindfully, and the app does the rest: organizing, calculating, and showing where your money truly goes. Spend less time managing. Spend more time understanding. Simple Spendings - completely free, beautifully simple.

Screenshots

Pico Spend4 screens
Simple Spendings4 screens

Verdict

The call

The clearest difference is price: Simple Spendings at Free against Pico Spend's $1.99. Simple Spendings also leads on update cadence (every 3 weeks vs every 7 months). On ads, 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

Simple Spendings is free to download; Pico Spend costs $1.99 up front. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Pico Spend ships an update every 7 months, Simple Spendings every 3 weeks. The most recent releases landed on October 26, 2026 and October 7, 2026 respectively.

Scorecard2 real differences · 8 level
Pico Spend versus Simple Spendings: the parameters behind the verdict, then further details
ParameterPico SpendSimple Spendings
Price$1.99Free — better
Rating4.3 (3 ratings) — better—
Positive reviews81.8% of reviews—
Number of ratings3 — better—
Update frequencyEvery 7 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationPaid—
DevicesiPhone, Apple WatchiPhone, iPad
Requires iOS17.0 — better18.4
Further details — not scored
Size2 MB7 MB
Age rating4+4+
DeveloperDejan PetrovskiAndrzej Gawron

In-app purchases

None

Pico Spend

No in-app purchases

None

Simple Spendings

No in-app purchases

Questions

Is Pico Spend free?
Pico Spend costs $1.99, with no in-app purchases.
Is Simple Spendings free?
Simple Spendings is free to download, with no in-app purchases.
Do Pico Spend or Simple Spendings have ads?
Neither Pico Spend nor Simple Spendings shows ads.
Which is updated more often, Pico Spend or Simple Spendings?
Pico Spend ships an update every 7 months, and Simple Spendings every 3 weeks. Most recently, Pico Spend was updated on October 26, 2026 and Simple Spendings on October 7, 2026.

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