Comparison

Checkbook vs Budgets

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

Head to head
About

Checkbook

Manage your daily finances with this app, tracking credit card charges, cash expenditures, and more. It offers multiple accounts, recurring transactions, fund transfers, and detailed reports with graphs. Easily search and export your financial data.

Highlights
  • Multiple account tracking
  • Recurring transaction saving
  • Fund transfers between accounts
  • Export data in CSV, QIF, HTML
  • Calendar view of transactions
  • Reports and charts for expenses/income
  • Passcode protection
Features
Currently charting
Read full description

An easy & quick way to manage your daily finances, Checkbook keeps track of your credit card charges, cash expenditures...etc. With the Checkbook application, it can totally replace your paper checkbook. You can create multiple accounts, save recurring transactions, transfer funds, view reports & graphs, export data...etc. You can even search the transaction by crossing your finger on the calendar! All details of the Checkbook are well designed to provide an excellent experience. Designed and developed by polycents! FEATURES ※Export in CSV, QIF & HTML Formats -Export your transactions by email for use of desktop applications such as Excel, Quicken...etc. ※Calendar -Show all your monthly transactions as points on the calendar. -Filter transactions by tapping a date or selecting multiple dates on the calendar. ※Recurring Transactions -Save a transaction to be used repeatedly(daily, weekly, 2 weeks, monthly, tire monthly), without retyping all the details. ※Multiple Accounts -Track as many accounts as you need. ※Categories -Supports multiple categories with beautiful icons to choose from. ※Payee & Note -All the details you need to keep track of your transactions are including. ※Search -Quickly search for transactions by dates, name, payee, and category. -Search and edit transactions on the same screen. ※Transfer -Transfer funds from one account to another. ※Reconcile Transactions -Reconcile your transactions by editing cleared/un-cleared status ※Reports & Charts -Review all your expenses & income by category or account with beautiful graphs and reports. -Supports both bar and pie charts. -You can set the time period to daily, weekly, monthly & yearly. ※Passcode -Protects your private information. ※Currency -Supports multiple currencies. ※Elegant, Powerful & User-friendly interface # Subscription Details # - Monthly and annual subscriptions are available. - Payment will be charged to your iTunes account at confirmation of purchase. - Your subscription will automatically renew unless auto-renew is disabled at least 24 hours before the end of the current subscription period. - Automatic renewals will be charged at the same price you were originally charged for the subscription. - Subscriptions can be managed by going to Account Settings on the App Store after purchase. Terms of Use: https://www.iubenda.com/terms-and-conditions/42835851 Privacy Policy: https://www.iubenda.com/privacy-policy/42835851 Developer website:https://www.polycents.com If you have any problems or suggestions please send a mail to checkbook@appxy.com, you will get the response in a short time.

About

Budgets

Easily manage your finances by setting up budgets, tracking spending, and syncing with your bank accounts. Prioritize savings and stay out of debt with tools to monitor your balances and transfer funds between budgets.

Highlights
  • Setup budgets quickly
  • Sync with bank accounts
  • Track budget balances
  • Transfer balance between budgets
  • Access on mobile and web
  • Secure data encryption
Features
Read full description

Your money is moving. See where it’s going and what you could do differently. Budgets brings your spending, bills, and monthly plan together so you can make everyday money decisions with a clearer picture. Understand what’s already spoken for, find spending you could adjust, and make room for what matters to you. START WITH YOUR REAL LIFE Connect your bank and credit card accounts to build a starting plan from your income and spending. Review the suggestions and make them yours. You have something real to work from, instead of a blank budget. SEE WHERE YOUR MONEY GOES Bring transactions together, organize them into categories, and see how your spending compares with your plan. From groceries to dining out, get a clearer view of the choices adding up throughout the month. FIND ROOM FOR WHAT MATTERS Look at your everyday spending and recurring charges to decide what you want to keep and what you could change. Put those choices into a plan that reflects your priorities whether that’s a future trip, a savings cushion, or more room for everyday life. KEEP UPCOMING BILLS IN VIEW With enough account history, Budgets can identify recurring paychecks, bills, and subscriptions. See expected charges alongside your spending so they’re part of the picture when you plan. KEEP YOUR PLAN CURRENT Connected accounts bring in new transactions as they become available. Review your activity and adjust your plan as life changes. Prefer to start manually? Add custom accounts and build your own budget. Connected accounts are read-only. Budgets never moves your money. You decide what changes. Spend well. Save what matters.

Screenshots

Checkbook4 screens
Budgets4 screens

Verdict

The call

The clearest difference is review sentiment: Budgets at 100% against Checkbook's 56%. Budgets also leads on rating (5.0 vs 4.3) and in-app purchases (none vs 5). Checkbook's advantage is ratings volume (14K vs 10) and update cadence (every 6 weeks vs every 3 months). On price and device support 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. Checkbook sells 5 in-app purchases, starting at $0.99 per month. Budgets asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Budgets holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: Checkbook has 14K ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 56% of Checkbook's written reviews are positive against 100% of Budgets's.

UpkeepUpdate frequency

Checkbook ships an update every 6 weeks, Budgets every 3 months. The most recent releases landed on October 16, 2026 and October 7, 2026 respectively.

Scorecard9 real differences · 2 level
Checkbook versus Budgets: the parameters behind the verdict, then further details
ParameterCheckbookBudgets
PriceFreeFree
Rating4.3 (14K ratings)5.0 (10 ratings) — better
Positive reviews55.8% of reviews100.0% of reviews — better
Number of ratings14K — better10
Update frequencyEvery 6 weeks — betterEvery 3 months
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationSubscriptionFree — better
Best chart rank#154 — better—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size122 MB7 MB
Age rating4+4+
DeveloperBeesoft AppsDerek Wene

Customer experience

Checkbook

All ratings14,252 ratings
Positive82.0%
Neutral6.3%
Negative11.7%
Written reviews773 reviews
Positive55.8%
Neutral9.3%
Negative34.9%

Budgets

All ratings10 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews5 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Checkbook

Reported bugs

4 issues
  • Account balances not updating correctly
  • Transactions disappearing or duplicating
  • Sync issues between devices
  • App crashes or freezes after updates

Requested features

5 requests
  • Custom categories and icons
  • Budgeting and forecasting tools
  • Ability to attach receipts/photos
  • Improved account organization options
  • Automatic balance reconciliation

Budgets

Not enough reviews yet to summarise bugs or requests.

In-app purchases

5 purchases

Checkbook

Subscriptions4
  • Premium - 1 Month$0.991 Month
  • Premium - 1 Year7 Days trial$7.991 Year
  • Premium - 1 Year7 Days trial$8.991 Year
Show 1 more
  • Premium - 1 Year7 Days trial$9.991 Year
One-time1
  • Upgrade to Checkbook Pro$9.99
None

Budgets

No in-app purchases

Questions

Is Checkbook free?
Checkbook is free to download, with in-app purchases available.
Is Budgets free?
Budgets is free to download, with no in-app purchases.
Which has better reviews, Checkbook or Budgets?
Budgets is rated higher. Checkbook averages 4.3 out of 5 from 14K ratings, while Budgets averages 5.0 from 10 ratings.
Do Checkbook or Budgets have ads?
Checkbook shows ads; Budgets does not.
Which is updated more often, Checkbook or Budgets?
Checkbook ships an update every 6 weeks, and Budgets every 3 months. Most recently, Checkbook was updated on October 16, 2026 and Budgets on October 7, 2026.

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