# iSpending vs Financial Summary

The clearest difference is in-app purchases: Financial Summary at none against iSpending's 2. Financial Summary also leads on ads (none vs shown) and update cadence (every 2 months vs every 6 months). On price and device support there is nothing between them.

Both are free to download. iSpending sells 2 in-app purchases, starting at $2.99 per month. Financial Summary asks for nothing beyond the download.

iSpending ships an update every 6 months, Financial Summary every 2 months. The most recent releases landed on October 17, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | iSpending | Financial Summary |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (634 ratings)](https://appshunter.io/ios/app/ispending-expense-tracker/id484100875/reviews)** | — |
| Number of ratings | **634** | — |
| Positive reviews | 68.9% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 6 months | **Every 2 months** |
| Monetization | Free with in-app purchases | — |
| Size | 19 MB | 3 MB |
| Requires iOS | 12.0 | **9.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Hana Mobile](https://appshunter.io/developer/306576922) | [TopDog Developments Ltd](https://appshunter.io/developer/640098094) |

## 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


### Financial Summary

[App page](https://appshunter.io/ios/app/financial-summary/id734418369)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is iSpending free?

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

### Is Financial Summary free?

Financial Summary is free to download, with no in-app purchases.

### Do iSpending or Financial Summary have ads?

iSpending shows ads; Financial Summary does not.

### Which is updated more often, iSpending or Financial Summary?

iSpending ships an update every 6 months, and Financial Summary every 2 months. Most recently, iSpending was updated on October 17, 2026 and Financial Summary on October 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.*