# iSpending vs Monies Expense Tracker

The clearest difference is ads: Monies Expense Tracker at none against iSpending's shown. Monies Expense Tracker also leads on monetization model (free vs free with in-app purchases) and review sentiment (88% vs 69%). iSpending's advantage is ratings volume (634 vs 8) and update cadence (every 6 months vs every 12 months). On price, rating 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 Monies Expense Tracker sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 4.4 for iSpending against 4.5 for Monies Expense Tracker. That said, the two scores are not equally well evidenced: iSpending has 634 ratings behind it against 8, so its average is the more settled of the two. Written reviews are what separate them: 69% of iSpending's written reviews are positive against 88% of Monies Expense Tracker's.

iSpending ships an update every 6 months, Monies Expense Tracker every 12 months. The most recent releases landed on October 13, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | iSpending | Monies Expense Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (634 ratings)](https://appshunter.io/ios/app/ispending-expense-tracker/id484100875/reviews) | **[4.5 (8 ratings)](https://appshunter.io/ios/app/monies-expense-tracker/id1637367459/reviews)** |
| Number of ratings | **634** | 8 |
| Positive reviews | 68.9% of reviews | **87.5% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 6 months** | Every 12 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 19 MB | 2 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod, Mac** |
| Age rating | 4+ | 4+ |
| Developer | [Hana Mobile](https://appshunter.io/developer/306576922) | [And a Dinosaur](https://appshunter.io/developer/475577301) |

## 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


### Monies Expense Tracker

[App page](https://appshunter.io/ios/app/monies-expense-tracker/id1637367459)

This simple expense tracker mimics a spreadsheet interface for quick entry and deletion of financial items. It offers iCloud syncing for iPhone and iPad users, with no advanced features like bank linking or charts.

**Highlights:** Spreadsheet-like interface, Quick item entry, Easy item deletion, iCloud syncing, Available on iPhone and iPad

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Tip | $0.99 | one-time |


## Frequently asked questions

### Is iSpending free?

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

### Is Monies Expense Tracker free?

Monies Expense Tracker is free to download, with in-app purchases available.

### Which has better reviews, iSpending or Monies Expense Tracker?

Monies Expense Tracker is rated higher. iSpending averages 4.4 out of 5 from 634 ratings, while Monies Expense Tracker averages 4.5 from 8 ratings.

### Do iSpending or Monies Expense Tracker have ads?

iSpending shows ads; Monies Expense Tracker does not.

### Which is updated more often, iSpending or Monies Expense Tracker?

iSpending ships an update every 6 months, and Monies Expense Tracker every 12 months. Most recently, iSpending was updated on October 13, 2026 and Monies Expense Tracker on October 1, 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.*