# iSpending vs Income and Expense Tracker

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.

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.

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.

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

## The numbers

| Metric | iSpending | Income and Expense Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (634 ratings)](https://appshunter.io/ios/app/ispending-expense-tracker/id484100875/reviews) | **[4.7 (493 ratings)](https://appshunter.io/ios/app/income-and-expense-tracker/id1225559794/reviews)** |
| Number of ratings | **634** | 493 |
| Positive reviews | **68.9% of reviews** | 66.7% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 6 months | **Monthly** |
| Monetization | **Free with in-app purchases** | Subscription |
| Size | 19 MB | 47 MB |
| Requires iOS | **12.0** | 16.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Hana Mobile](https://appshunter.io/developer/306576922) | [Alexey Sakharov](https://appshunter.io/developer/800373228) |

## What reviewers say

### iSpending

[App page](https://appshunter.io/ios/app/ispending-expense-tracker/id484100875)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| iSpending Premium | $2.99 | per month |
| iSpending Premium | $29.99 | per year |

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


### Income and Expense Tracker

[App page](https://appshunter.io/ios/app/income-and-expense-tracker/id1225559794)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Month | $4.99 | per month |
| Premium Year | $14.99 | per year |
| Premium Year | $14.99 | per year |
| Premium Year 7 days free | $14.99 | per year |
| Spending tracking | $14.99 | per year |
| Premium Version | $21.99 | one-time |
| Premium Version | $59.99 | one-time |

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 💸 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

**Reported bugs**

- 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

**Requested features**

- 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)


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