Comparison

Checkbook vs Spending

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

Spending

Easily track your daily and monthly expenses by category. This app helps you understand where your money goes, focusing on small, frequent purchases that can add up. Visualize your spending with graphs and manage multiple budgets for different needs.

Highlights
  • Track spending by category
  • View daily, weekly, and monthly expenditure
  • Spending breakdown graphs
  • Customizable categories
  • Multiple budget management
  • Daily spending limits
Features
Read full description

Ever wondered how a week before pay day your bank account and wallet seem pretty much empty? 'Spending' helps you quickly and easily track what you spend and where you spend it, so those pay day blues might become a thing of the past! Most people know when their utility bills or rental payments leave their account. The thing that makes people go overdrawn, or spend more than they realise, are the little payments; the coffee in a morning, the sandwich at lunch, or the drinks after work. Very quickly these payments mount up, and your wallet seems empty more often than it seems full! Unlike many budget management applications, Spending doesn't want to know which store you were at, which card or account you used, or a host of other things. All Spending wants to know is the category you think the payment relates to, and how much you spent. Using this information, it can tell you that all important information - how much you've spent today and so far this month, enabling you to keep a tighter grip on your financial outgoings. Spending has the following features… - Quickly track the amount you've spent on different categories of expenditure. - See at a glance your expenditure for today, the last 7 days, or the current month. - Graphs that show a breakdown of your spending by category, or date. - Create new categories, and change the order of existing ones. - Have several budgets, e.g. for trips abroad. You can override the currency used for a budget too. - Set a budget amount that applies to each month, but override it for specific months when you know you can spend more, or must spend less. - Quickly see how much money you have left for the current month, and how much you can spend each day.

Screenshots

Checkbook4 screens
Spending4 screens

Verdict

The call

The clearest difference is rating: Checkbook at 4.3 against Spending's 3.6. Checkbook also leads on update cadence (every 6 weeks vs every 18 months) and ratings volume (14K vs 7). Spending's advantage is in-app purchases (none vs 5) and ads (none vs shown). 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. Spending asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Checkbook holds the better App Store score, 4.3 against 3.6. That said, the two scores are not equally well evidenced: Checkbook has 14K ratings behind it against 7, so its average is the more settled of the two. Written reviews complicate that: 56% of Checkbook's written reviews are positive against 88% of Spending's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Checkbook ships an update every 6 weeks, Spending every 18 months. The most recent releases landed on October 16, 2026 and September 28, 2026 respectively.

Scorecard9 real differences · 2 level
Checkbook versus Spending: the parameters behind the verdict, then further details
ParameterCheckbookSpending
PriceFreeFree
Rating4.3 (14K ratings) — better3.6 (7 ratings)
Positive reviews55.8% of reviews87.5% of reviews — better
Number of ratings14K — better7
Update frequencyEvery 6 weeks — betterEvery 18 months
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationSubscriptionFree — better
Best chart rank#156 — better—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.09.0 — better
Further details — not scored
Size122 MB4 MB
Age rating4+4+
DeveloperBeesoft AppsSteve Harris

Customer experience

Checkbook

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

Spending

All ratings7 ratings
Positive71.4%
Neutral0.0%
Negative28.6%
Written reviews8 reviews
Positive87.5%
Neutral0.0%
Negative12.5%

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

Spending

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

Spending

No in-app purchases

Questions

Is Checkbook free?
Checkbook is free to download, with in-app purchases available.
Is Spending free?
Spending is free to download, with no in-app purchases.
Which has better reviews, Checkbook or Spending?
Checkbook is rated higher. Checkbook averages 4.3 out of 5 from 14K ratings, while Spending averages 3.6 from 7 ratings.
Do Checkbook or Spending have ads?
Checkbook shows ads; Spending does not.
Which is updated more often, Checkbook or Spending?
Checkbook ships an update every 6 weeks, and Spending every 18 months. Most recently, Checkbook was updated on October 16, 2026 and Spending on September 28, 2026.

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