# iSpending vs TrackMyMoney

The clearest difference is rating: TrackMyMoney at 5.0 against iSpending's 4.4. TrackMyMoney also leads on ads (none vs shown). iSpending's advantage is ratings volume (634 vs 1) and iOS requirement (12.0 vs 16.4). On price, update cadence, 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 TrackMyMoney sells 3 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

TrackMyMoney 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 1, so its average is the more settled of the two.

iSpending ships an update every 6 months, TrackMyMoney every 9 months. The most recent releases landed on November 10, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | iSpending | TrackMyMoney |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (634 ratings)](https://appshunter.io/ios/app/ispending-expense-tracker/id484100875/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/trackmymoney-expense-tracker/id1617258561/reviews)** |
| Number of ratings | **634** | 1 |
| Positive reviews | 68.9% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 6 months** | Every 9 months |
| Monetization | Free with in-app purchases | Freemium |
| Size | 19 MB | 3 MB |
| Requires iOS | **12.0** | 16.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Hana Mobile](https://appshunter.io/developer/306576922) | [Nadiia Smirnova](https://appshunter.io/developer/1481559431) |

## 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


### TrackMyMoney

[App page](https://appshunter.io/ios/app/trackmymoney-expense-tracker/id1617258561)

Effortlessly manage your finances by tracking income and expenses from multiple accounts. Plan your budget with customizable limits and receive helpful reminders to stay on track with your financial goals.

**Highlights:** Track income and expenses, Multi-account management, Customizable budgeting, Transaction import (Excel, bank statements), Financial reminders, Real-time balance overview

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Full access for a week | $0.99 | per 7 days |
| Full access for a month | $2.49 | per month |
| Full access for a year | $24.49 | per year |


## Frequently asked questions

### Is iSpending free?

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

### Is TrackMyMoney free?

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

### Which has better reviews, iSpending or TrackMyMoney?

TrackMyMoney is rated higher. iSpending averages 4.4 out of 5 from 634 ratings, while TrackMyMoney averages 5.0 from 1 ratings.

### Do iSpending or TrackMyMoney have ads?

iSpending shows ads; TrackMyMoney does not.

### Which is updated more often, iSpending or TrackMyMoney?

iSpending ships an update every 6 months, and TrackMyMoney every 9 months. Most recently, iSpending was updated on November 10, 2026 and TrackMyMoney on November 3, 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.*