# iSpending vs Spending Tracker

The clearest difference is rating: Spending Tracker at 4.8 against iSpending's 4.4. Spending Tracker also leads on review sentiment (95% vs 69%) and ratings volume (19K vs 634). iSpending's advantage is iOS requirement (12.0 vs 15.5). 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 Spending Tracker sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Spending Tracker holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: Spending Tracker has 19K ratings behind it against 634, so its average is the more settled of the two. Written reviews point the same way: 69% of iSpending's written reviews are positive against 95% of Spending Tracker's.

iSpending ships an update every 6 months, Spending Tracker every 2 months. The most recent releases landed on September 23, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | iSpending | Spending Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (634 ratings)](https://appshunter.io/ios/app/ispending-expense-tracker/id484100875/reviews) | **[4.8 (19K ratings)](https://appshunter.io/ios/app/spending-tracker/id548615579/reviews)** |
| Number of ratings | 634 | **19K** |
| Positive reviews | 68.9% of reviews | **94.6% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 6 months | **Every 2 months** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 19 MB | 50 MB |
| Requires iOS | **12.0** | 15.5 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Hana Mobile](https://appshunter.io/developer/306576922) | [MH Riley Ltd](https://appshunter.io/developer/409695800) |

## 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


### Spending Tracker

[App page](https://appshunter.io/ios/app/spending-tracker/id548615579)

Easily track your expenses and income to gain control over your finances. Set budgets, view spending summaries, and generate reports with interactive charts. Take the first step towards saving money by understanding where your money goes.

**Highlights:** Simple and intuitive interface, Flexible time period tracking (Weekly, Monthly, Yearly), Budget mode with carry-over, Summary view of spending progress, Log expenses and income, Editable spending and income categories, Interactive charts and reports

**Features:** Family Sharing, Apple Watch app

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Upgrade | $2.99 | one-time |

**What reviewers like**

- 👍 Easy to use
- 📊 Helpful reports and charts
- 💰 One-time fee for premium features
- 🔁 Recurring transactions
- 🗂️ Multiple accounts and categories

**What reviewers complain about**

- 🐛 Occasional syncing issues
- 🔢 Lack of fortnightly budget option
- 🗂️ Difficulty deleting unused categories
- 💰 Paid upgrade required for some features
- 📈 Limited budget tracking within categories

**Reported bugs**

- Transactions sometimes entered in wrong order
- Backup and restore functionality not always reliable

**Requested features**

- Add ability to split transactions into multiple categories
- Incorporate currency conversion and exchange rates
- Allow family/shared account access and updates
- Implement a 'Debt' category to track loan payments
- Add option to take photos of receipts and attach to transactions


## Frequently asked questions

### Is iSpending free?

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

### Is Spending Tracker free?

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

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

Spending Tracker is rated higher. iSpending averages 4.4 out of 5 from 634 ratings, while Spending Tracker averages 4.8 from 19K ratings.

### Do iSpending or Spending Tracker have ads?

Both iSpending and Spending Tracker show ads.

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

iSpending ships an update every 6 months, and Spending Tracker every 2 months. Most recently, iSpending was updated on September 23, 2026 and Spending Tracker on September 24, 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.*