# Checkbook vs Innovate

The clearest difference is in-app purchases: Innovate at none against Checkbook's 5. Innovate also leads on ads (none vs shown). Checkbook's advantage is chart position (#147 vs unranked). On price, update cadence, device support and iOS requirement there is nothing between them.

Both are free to download. Checkbook sells 5 in-app purchases, starting at $0.99 per month. Innovate asks for nothing beyond the download.

Checkbook ships an update every 6 weeks, Innovate monthly. The most recent releases landed on October 29, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | Checkbook | Innovate |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (14K ratings)](https://appshunter.io/ios/app/checkbook-account-tracker/id484000695/reviews)** | — |
| Number of ratings | **14K** | — |
| Positive reviews | 55.8% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 6 weeks | **Monthly** |
| Monetization | Subscription | — |
| Best chart rank | **#147** | — |
| Size | 122 MB | 101 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Beesoft Apps](https://appshunter.io/developer/1420966143) | [INNOVATE SECURITIES PRIVATE LIMITED](https://appshunter.io/developer/1386713438) |

## What reviewers say

### Checkbook

[App page](https://appshunter.io/ios/app/checkbook-account-tracker/id484000695)

**Currently charting:** #147 Top Grossing · Finance (US App Store)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium - 1 Month | $0.99 | per month |
| Premium - 1 Year | $7.99 | per year |
| Premium - 1 Year | $8.99 | per year |
| Premium - 1 Year | $9.99 | per year |
| Upgrade to Checkbook Pro | $9.99 | one-time |

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


### Innovate

[App page](https://appshunter.io/ios/app/innovate/id6762111197)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Checkbook free?

Checkbook is free to download, with in-app purchases available.

### Is Innovate free?

Innovate is free to download, with no in-app purchases.

### Do Checkbook or Innovate have ads?

Checkbook shows ads; Innovate does not.

### Which is updated more often, Checkbook or Innovate?

Checkbook ships an update every 6 weeks, and Innovate monthly. Most recently, Checkbook was updated on October 29, 2026 and Innovate on October 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*