Comparison

Checkbook vs Spending Tracker

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 Tracker

Easily track your expenses and income to gain control over your finances. Set budgets, view spending summaries, and generate reports with interactive charts. Take the first step towards saving money by understanding where your money goes.

Highlights
  • Simple and intuitive interface
  • Flexible time period tracking (Weekly, Monthly, Yearly)
  • Budget mode with carry-over
  • Summary view of spending progress
  • Log expenses and income
  • Editable spending and income categories
  • Interactive charts and reports
Features
Read full description

Spending Tracker is the easiest and most user friendly Personal Finance App in the store. And best of all, it's free! The simple fact is, by tracking your spending you will be able to stick to a budget and therefore SAVE MONEY. So give it a try and have instant control over your spending! *** Features *** ------------------ √ Simple and intuitive user interface - helps you track your spending quickly and easily √ Flexible Time Periods - choose to track Weekly, Monthly or Yearly √ Budget Mode - optionally set a fixed budget amount to help you meet your spending targets - carry over any remaining budget to the next period √ Summary View - overview of your current spending progress - time travel backwards and forwards in time - see your main areas of spending √ Log Expense and Income - easy and quick transaction entry - sort by date, name or amount - repeat transactions daily, weekly or monthly (Pro Upgrade required) - export transactions (Pro Upgrade required) √ Categories - editable spending and income categories - choose a quality icon for each category √ Reports - easy visualisation of where your money goes - beautiful and interactive charts - view spending grouped by category - see the history of your spending

Screenshots

Checkbook4 screens
Spending Tracker4 screens

Verdict

The call

The clearest difference is review sentiment: Spending Tracker at 95% against Checkbook's 56%. Spending Tracker also leads on monetization model (free with in-app purchases vs subscription) and rating (4.8 vs 4.3). Checkbook's advantage is chart position (#127 vs unranked) and iOS requirement (13.0 vs 15.5). On price, ratings volume, update cadence and ads 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 and Spending Tracker sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Spending Tracker holds the better App Store score, 4.8 against 4.3. Both are backed by a comparable volume of ratings — 14K and 19K respectively. Written reviews point the same way: 56% of Checkbook's written reviews are positive against 95% of Spending Tracker's.

UpkeepUpdate frequency

Checkbook ships an update every 6 weeks, Spending Tracker every 2 months. Both last shipped on October 17, 2026.

Scorecard6 real differences · 5 level
Checkbook versus Spending Tracker: the parameters behind the verdict, then further details
ParameterCheckbookSpending Tracker
PriceFreeFree
Rating4.3 (14K ratings)4.8 (19K ratings) — better
Positive reviews55.8% of reviews94.5% of reviews — better
Number of ratings14K19K — better
Update frequencyEvery 6 weeks — betterEvery 2 months
AdsYesYes
In-app purchasesYesYes
MonetizationSubscriptionFree with in-app purchases — better
Best chart rank#127 — better—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod, Mac, Apple Watch — better
Requires iOS13.0 — better15.5
Further details — not scored
Size122 MB50 MB
Age rating4+4+
DeveloperBeesoft AppsMH Riley Ltd

Customer experience

Checkbook

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

Spending Tracker

All ratings19,361 ratings
Positive96.7%
Neutral1.9%
Negative1.4%
Written reviews2,934 reviews
Positive94.5%
Neutral2.5%
Negative2.9%

User reviews

Checkbook

From 14K App Store ratings

What we love

  • 💻 Easy to use
  • 📊 Helpful charts and reports
  • 🔄 Seamless sync across devices
  • 🧮 Convenient built-in calculator
  • 🗂️ Ability to manage multiple accounts

Room to improve

  • 🔍 Lacking advanced search/filtering
  • 🔁 Recurring transactions issues
  • 🔒 Concerns about data security
  • 💰 Subscription model too expensive
  • 📢 Intrusive ads in free version

Spending Tracker

From 19K App Store ratings

What we love

  • 👍 Easy to use
  • 📊 Helpful reports and charts
  • 💰 One-time fee for premium features
  • 🔁 Recurring transactions
  • 🗂️ Multiple accounts and categories

Room to improve

  • 🐛 Occasional syncing issues
  • 🔢 Lack of fortnightly budget option
  • 🗂️ Difficulty deleting unused categories
  • 💰 Paid upgrade required for some features
  • 📈 Limited budget tracking within categories

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 Tracker

Reported bugs

2 issues
  • Transactions sometimes entered in wrong order
  • Backup and restore functionality not always reliable

Requested features

5 requests
  • Add ability to split transactions into multiple categories
  • Incorporate currency conversion and exchange rates
  • Allow family/shared account access and updates
  • Implement a 'Debt' category to track loan payments
  • Add option to take photos of receipts and attach to transactions

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
1 purchases

Spending Tracker

One-time1
  • Pro Upgrade$2.99

Questions

Is Checkbook free?
Checkbook is free to download, with in-app purchases available.
Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Which has better reviews, Checkbook or Spending Tracker?
Spending Tracker is rated higher. Checkbook averages 4.3 out of 5 from 14K ratings, while Spending Tracker averages 4.8 from 19K ratings.
Do Checkbook or Spending Tracker have ads?
Both Checkbook and Spending Tracker show ads.
Which is updated more often, Checkbook or Spending Tracker?
Checkbook ships an update every 6 weeks, and Spending Tracker every 2 months. Most recently, Checkbook was updated on October 17, 2026 and Spending Tracker on October 17, 2026.

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