Comparison

iSpending vs Income and Expense Tracker

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

Head to head
About

iSpending

Track your income and expenses with this free personal finance app. Organize transactions by category, view instant summaries, and analyze spending patterns with detailed graphs. Secure your data with passcode and Face ID.

Highlights
  • Categorize income and expenses
  • Customizable spending categories
  • Instant daily, weekly, monthly, yearly summaries
  • Detailed graph reports
  • Transaction search
  • Passcode and Face ID lock
  • iCloud sync
Features
Read full description

If you are looking for the best personal finance application, this is the app for you and it's free! Millions of downloads cannot be wrong! iSpending helps you to track your income and spendings. You can add transactions under different categories, such as income, food, entertainment. Summaries for today/week/month/year are displayed right at home page. You can view detailed report for each month in beautiful graphs and find transaction easily through search. Try it yourself to see more features, you'll love it! Features: - Add income/expense transactions under different category - Add customize spending category name - Add transactions quickly - Instant summary for today/week/month/year - Passcode lock - Export through email - View history records and compare them - Graph report for 1, 3 or 6 months time period - Separate graph report for income or expense alone - Search for transaction by name, amount, note or any of them - Polished UI, easy to use - Support for saving data in iCloud and sync across devices - Unlock using FaceID Send your comments/suggestions to hanamobiles@gmail.com or visit our website. You may purchase an auto-renewing subscription through an In-App Purchase. • iSpending Premium subscription will automatically renew each month or year at the duration selected • 1 month (USD 2.99), or 1 year (USD 29.99) durations • Your subscription will be charged to your iTunes account at confirmation of purchase and will automatically renew (at the duration selected) unless auto-renew is turned off at least 24 hours before the end of the current period. • Current subscription may not be cancelled during the active subscription period; however, you can manage your subscription and/or turn off auto-renewal by visiting your iTunes Account Settings after purchase • Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable • Privacy policy: http://www.hanamobiles.com/appstore/privacy/privacy.html • Terms of use: http://www.hanamobiles.com/appstore/privacy/tos.html

About

Income and Expense Tracker

Manage your personal finances with this app. Track income and expenses, set budgets, and monitor accounts in various currencies. Visualize your spending with charts and manage debts effectively. Secure your data with password and TouchID protection.

Highlights
  • Budgeting tools
  • Multi-currency accounts
  • Transfers between accounts
  • Cost and revenue categories
  • Debt management
  • Financial statistics and charts
  • Password and TouchID security
Features
Read full description

Incomes app is a convenient accounting of your personal finances! The main function of the application: - Budgets - Accounts with different currencies - Transfers between accounts - Categories of costs and revenues - Subcategories Statistics: - Circular chart - Filter by period, by account - Line chart - Filter by period, bills and categories Debts: - Debts (Loans) - Debtors - Repayment of debts - Forecasting the return date Security: - Password - TouchID Synchronization: - iCloud Other: - Light and Dark themes - Widgets - Interesting updates in the near future! Renewable Subscription Information: Payment will be charged to your iTunes account upon confirmation of purchase. The next payment will be charged to your iTunes account after you renew your subscription, unless you turn off auto-renewal at least 24 hours before the end of the current period. Within 24 hours before the end of the current subscription period, your account will be charged for the subscription cost, which is equal to the subscription price for the first period. You can change or turn off auto-renewal of your subscription in your Apple ID settings at any time after purchase. Privacy Policy: https://docs.google.com/document/d/1P4Ey0jxtF3bYS1TldlzdfPE7aAH_-l2d5FUH-lAuxu8 Terms of Service: https://docs.google.com/document/d/1RGwSXuOPn6Wcan0-09j_flJOIR3iO1XE7tEzjytMy38 For all questions, write to sakharovapps@gmail.com

Screenshots

iSpending4 screens
Income and Expense Tracker4 screens

Verdict

The call

The clearest difference is monetization model: iSpending at free with in-app purchases against Income and Expense Tracker's subscription. iSpending also leads on iOS requirement (12.0 vs 16.6). Income and Expense Tracker's advantage is ads (none vs shown) and update cadence (monthly vs every 6 months). On price, review sentiment, ratings volume and in-app purchases 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. iSpending sells 2 in-app purchases, starting at $2.99 per month and Income and Expense Tracker sells 7 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Income and Expense Tracker holds the better App Store score, 4.7 against 4.4. Both are backed by a comparable volume of ratings — 634 and 493 respectively. Written reviews complicate that: 69% of iSpending's written reviews are positive against 67% of Income and Expense Tracker's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

iSpending ships an update every 6 months, Income and Expense Tracker monthly. Both last shipped on October 22, 2026.

Scorecard5 real differences · 5 level
iSpending versus Income and Expense Tracker: the parameters behind the verdict, then further details
ParameteriSpendingIncome and Expense Tracker
PriceFreeFree
Rating4.4 (634 ratings)4.7 (493 ratings) — better
Positive reviews68.9% of reviews — better66.7% of reviews
Number of ratings634 — better493
Update frequencyEvery 6 monthsMonthly — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchases — betterSubscription
DevicesiPhone, iPod — betteriPhone
Requires iOS12.0 — better16.6
Further details — not scored
Size19 MB47 MB
Age rating4+4+
DeveloperHana MobileAlexey Sakharov

Customer experience

iSpending

All ratings634 ratings
Positive86.1%
Neutral7.1%
Negative6.8%
Written reviews376 reviews
Positive68.9%
Neutral10.9%
Negative20.2%

Income and Expense Tracker

All ratings490 ratings
Positive93.1%
Neutral2.4%
Negative4.5%
Written reviews141 reviews
Positive66.7%
Neutral7.1%
Negative26.2%

User reviews

iSpending

From 634 App Store ratings

What we love

  • 👍 Easy to use
  • 💰 Helps organize finances
  • 📊 Provides good visibility into spending
  • 🚀 Simple and straightforward

Room to improve

  • 🔒 Limited functionality without paid upgrade
  • 🐛 Crashes and bugs reported
  • 🗓️ Lack of customization options (categories, date range)
  • 💻 No cross-device sync or backup

Income and Expense Tracker

From 493 App Store ratings

What we love

  • 👍 Intuitive and user-friendly interface
  • 🎨 Beautiful, modern design with customizable themes
  • 💰 Affordable pricing compared to competitors
  • 📊 Clear analytics and expense tracking
  • 🏷️ Customizable categories with emoji support

Room to improve

  • 💸 Limited free version (only 20 transactions)
  • 🚫 Misleading free tier presentation
  • 📱 No iPad support
  • 🔗 Cannot synchronize between iPhone and iPad
  • ⚠️ Subscription-based model required for full use

Bugs and requests

iSpending

Reported bugs

3 issues
  • Transactions not displaying properly
  • Data loss after app updates
  • Inability to access past year's data

Requested features

5 requests
  • Recurring transaction options
  • Ability to edit/delete past entries
  • More detailed reporting and analytics
  • Multi-currency support
  • Sync across devices

Income and Expense Tracker

Reported bugs

10 issues
  • App crashes when accessing settings
  • Category color changes not persisting
  • Expenses counted as income in net flow calculation
  • Decimal input issues with keyboard locale
  • Widget functionality broken after updates
Show 5 more
  • Data not fully restoring from iCloud backup
  • App crashes and data loss
  • Widget display being cut off
  • Recurring transaction decimal precision limitation
  • Balance calculation errors with automatic payments

Requested features

22 requests
  • Recurring/automatic expense tracking with auto-entry
  • Budget carryover to next month if under/over limit
  • Account synchronization across devices
  • Multi-user/family budget sharing
  • Custom budget period (not just calendar months)
Show 17 more
  • Receipt/photo attachment to transactions
  • Refund transaction type (separate from income)
  • Account balance adjustment without counting as income/expense
  • Weekly reporting option
  • Lifetime purchase option (one-time payment)
  • Subcategory-level analytics and charts
  • Multiple business/personal account profiles
  • Recurring transaction visibility for future months
  • Better account selection ergonomics
  • Widget customization (colors, fonts, background)
  • Quick Shortcuts/Apple Pay integration
  • Dark mode toggle independent of system settings
  • Calculator within the app
  • More category options (pharmacy, etc.)
  • Transaction editing for initial account balance
  • Improved widget loading speed
  • Support for more color options for categories

In-app purchases

2 purchases

iSpending

Subscriptions2
  • iSpending Premium$2.991 Month
  • iSpending Premium$29.991 Year
7 purchases

Income and Expense Tracker

Subscriptions5
  • Premium Month2 variants$4.991 Month
  • Premium Year7 Days trial$14.991 Year
  • Premium Year2 variants$14.991 Year
Show 2 more
  • Premium Year 7 days free7 Days trial$14.991 Year
  • Spending tracking7 Days trial$14.991 Year
One-time2
  • Premium Version$21.99
  • Premium Version$59.99

Questions

Is iSpending free?
iSpending is free to download, with in-app purchases available.
Is Income and Expense Tracker free?
Income and Expense Tracker is free to download, with in-app purchases available.
Which has better reviews, iSpending or Income and Expense Tracker?
Income and Expense Tracker is rated higher. iSpending averages 4.4 out of 5 from 634 ratings, while Income and Expense Tracker averages 4.7 from 493 ratings.
Do iSpending or Income and Expense Tracker have ads?
iSpending shows ads; Income and Expense Tracker does not.
Which is updated more often, iSpending or Income and Expense Tracker?
iSpending ships an update every 6 months, and Income and Expense Tracker monthly. Most recently, iSpending was updated on October 22, 2026 and Income and Expense Tracker on October 22, 2026.

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