# iSpending vs Monthly Spending Tracker

The clearest difference is rating: Monthly Spending Tracker at 5.0 against iSpending's 4.4. iSpending's advantage is ratings volume (634 vs 2) and update cadence (every 6 months vs every 17 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. iSpending sells 2 in-app purchases, starting at $2.99 per month and Monthly Spending Tracker sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Monthly Spending Tracker holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: iSpending has 634 ratings behind it against 2, so its average is the more settled of the two.

iSpending ships an update every 6 months, Monthly Spending Tracker every 17 months. The most recent releases landed on October 15, 2026 and September 12, 2026 respectively.

## The numbers

| Metric | iSpending | Monthly Spending Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (634 ratings)](https://appshunter.io/ios/app/ispending-expense-tracker/id484100875/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/monthly-spending-tracker/id1498487255/reviews)** |
| Number of ratings | **634** | 2 |
| Positive reviews | 68.9% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | **Every 6 months** | Every 17 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 19 MB | 4 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Hana Mobile](https://appshunter.io/developer/306576922) | [Brandon Stecklein](https://appshunter.io/developer/498894252) |

## 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


### Monthly Spending Tracker

[App page](https://appshunter.io/ios/app/monthly-spending-tracker/id1498487255)

This personal finance app helps you monitor your monthly expenses by recording transactions, categories, dates, and payees. Set a budget limit and receive alerts as you approach it. View your spending history by month and generate expense reports.

**Highlights:** Track monthly spending, Record transactions, categories, dates, payees, Set monthly budget limits, Receive budget alerts, View monthly transactions, Generate expense reports

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Spending Tracker Premium | $2.99 | one-time |


## Frequently asked questions

### Is iSpending free?

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

### Is Monthly Spending Tracker free?

Monthly Spending Tracker is free to download, with in-app purchases available.

### Which has better reviews, iSpending or Monthly Spending Tracker?

Monthly Spending Tracker is rated higher. iSpending averages 4.4 out of 5 from 634 ratings, while Monthly Spending Tracker averages 5.0 from 2 ratings.

### Do iSpending or Monthly Spending Tracker have ads?

Both iSpending and Monthly Spending Tracker show ads.

### Which is updated more often, iSpending or Monthly Spending Tracker?

iSpending ships an update every 6 months, and Monthly Spending Tracker every 17 months. Most recently, iSpending was updated on October 15, 2026 and Monthly Spending Tracker on September 12, 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.*