Comparison

Accounts 2 Checkbook vs Spending Tracker

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Accounts 2 Checkbook

Manage your personal finances and replace your paper checkbook with this intuitive app. Track daily transactions, schedule recurring payments, and capture photo receipts. Generate insightful reports and export your data for easy analysis.

Highlights
  • Schedule recurring transactions
  • Capture and store photo receipts
  • Generate graphs and reports
  • Sync data via iCloud
  • Export data in CSV, QIF, HTML
  • Reconcile transactions
  • Touch and Face ID support
Features
Currently charting
Read full description

*** For the latest features and enhancements, please check out our NEW Accounts 3 Checkbook app, now available for download from the App Store! *** Featured by Apple in "What's Hot" List Accounts 2 is an easy to use application to replace your paper checkbook. With the Accounts 2 application, you will have a quicker and more convenient way to track your daily finances. You can schedule transactions, transfer funds, capture photo receipts, reconcile, view reports, export data, print, and much more. All features of the Accounts 2 app are designed to be quick, clean, intuitive, and easy to use. FEATURES * Touch and Face ID Support Use Touch or Face ID to authenticate and launch the app quicker and more conveniently. * Sync Data via iCloud Sync your data across iPhone, iPad, and iPod Touch devices * Universal Binary Designed for iPhone, iPad, and iPod Touch devices. No need to buy separate apps for each device. * Graphs and Reports Review your monthly income vs. expense, spending by category, or income by category summaries with beautiful graphs and reports. * Photo Receipts Capture and store photo receipt as part of a transaction. * AirPrint Support Print reports directly from your iPhone or iPad to any AirPrint-enabled printer. * Recurring Transactions Schedule transactions to repeat weekly, biweekly, monthly, semimonthly, quarterly, biannually, or yearly on a start date that you choose. * Split Transactions Split a transaction among several categories for more precise tracking. * Search Quickly search for transactions and edit them from the same screen. * Reconcile Transactions Reconcile by checking off cleared transactions and comparing the actual and outstanding balances against a bank statement. * Smart Autocomplete As you type, a list will show you your previously entered descriptions and corresponding category. Selecting an entry from the list will fill both fields of the transaction. * Auto-increment Check # Field Accounts 2 will suggest the next check number for you based on the previously entered number. If you replace your checkbook, just enter the new starting number and Accounts 2 will auto-increment from there. * Transfers Make a one-time transfer between accounts or set up recurring transfers to automatically repeat. * Export in CSV, QIF & HTML Formats Export transactions via email attachments for used with desktop applications such Numbers, Excel, or MS Money. * Customization Settings & Themes Configurable settings and themes to customize the Accounts 2 application based on your preferences. * Transaction Sorting/Hiding Sort transactions by date in either ascending or descending order. You can also hide reconciled transactions to keep your current list from being cluttered. * Accounts Reordering Reorder your accounts from the account list in any order you choose. * Accounts Delete Lock Prevents accidental deletion of all the transactions under an account. * Backup / Restore Backup your data for safekeeping via email, Dropbox, or iTunes file sharing interface. Then restore it to your device whenever you need to. * Passcode Security Keep your accounts information private. * FREE Accounts 2 Lite version Please download the Accounts 2 Lite version to try before you buy.

About

Spending Tracker

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
Read full description

Spending Tracker is the easiest and most user friendly Personal Finance App in the store. And best of all, it's free! The simple fact is, by tracking your spending you will be able to stick to a budget and therefore SAVE MONEY. So give it a try and have instant control over your spending! *** Features *** ------------------ √ Simple and intuitive user interface - helps you track your spending quickly and easily √ Flexible Time Periods - choose to track Weekly, Monthly or Yearly √ Budget Mode - optionally set a fixed budget amount to help you meet your spending targets - carry over any remaining budget to the next period √ Summary View - overview of your current spending progress - time travel backwards and forwards in time - see your main areas of spending √ Log Expense and Income - easy and quick transaction entry - sort by date, name or amount - repeat transactions daily, weekly or monthly (Pro Upgrade required) - export transactions (Pro Upgrade required) √ Categories - editable spending and income categories - choose a quality icon for each category √ Reports - easy visualisation of where your money goes - beautiful and interactive charts - view spending grouped by category - see the history of your spending

Screenshots

Accounts 2 Checkbook4 screens
Spending Tracker4 screens

Verdict

The call

The clearest difference is price: Spending Tracker at Free against Accounts 2 Checkbook's $3.99. Spending Tracker also leads on review sentiment (95% vs 63%) and rating (4.8 vs 4.5). Accounts 2 Checkbook's advantage is in-app purchases (none vs 1) and ads (none vs shown). On ratings volume there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Spending Tracker is free to download; Accounts 2 Checkbook costs $3.99 up front. Spending Tracker sells 1 one-off in-app purchase. Accounts 2 Checkbook asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Spending Tracker holds the better App Store score, 4.8 against 4.5. Both are backed by a comparable volume of ratings — 6.7K and 19K respectively. Written reviews point the same way: 63% of Accounts 2 Checkbook's written reviews are positive against 95% of Spending Tracker's.

UpkeepUpdate frequency

Accounts 2 Checkbook ships an update every 2 weeks, Spending Tracker every 2 months. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.

Scorecard10 real differences · 1 level
Accounts 2 Checkbook versus Spending Tracker: the parameters behind the verdict, then further details
ParameterAccounts 2 CheckbookSpending Tracker
Price$3.99Free — better
Rating4.5 (6.7K ratings)4.8 (19K ratings) — better
Positive reviews63.3% of reviews94.6% of reviews — better
Number of ratings6.7K19K — better
Update frequencyEvery 2 weeks — betterEvery 2 months
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationPaidFree with in-app purchases — better
Best chart rank#101 — better—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod, Mac, Apple Watch — better
Requires iOS9.0 — better15.5
Further details — not scored
Size13 MB50 MB
Age rating4+4+
DeveloperSVT SoftwareMH Riley Ltd

Customer experience

Accounts 2 Checkbook

All ratings6,658 ratings
Positive90.0%
Neutral3.5%
Negative6.5%
Written reviews343 reviews
Positive63.3%
Neutral9.0%
Negative27.7%

Spending Tracker

All ratings19,361 ratings
Positive96.7%
Neutral1.9%
Negative1.4%
Written reviews2,902 reviews
Positive94.6%
Neutral2.5%
Negative2.9%

User reviews

Accounts 2 Checkbook

From 6.7K App Store ratings

What we love

  • 💻 Excellent app for managing finances
  • 🔍 Detailed reporting and analytics
  • 🔁 Recurring transactions feature
  • 📱 Seamless sync between devices
  • 🗓️ Helpful for budgeting and tracking spending

Room to improve

  • 🐛 Data loss and sync issues
  • 🔒 Lack of customer support and communication
  • 🤔 Confusing or missing features (e.g. split transactions, sorting, budgeting)
  • 💰 Paid upgrades required for new features

Spending Tracker

From 19K App Store ratings

What we love

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

Room to improve

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

Bugs and requests

Accounts 2 Checkbook

Reported bugs

4 issues
  • Accounts and transactions disappearing without explanation
  • Recurring transactions not working as expected
  • Syncing issues between iPhone and iPad
  • App crashes and freezes, especially after updates

Requested features

5 requests
  • Ability to hide/archive old accounts
  • Option to set recurring transactions with custom dates
  • Improved sync reliability between devices
  • Better reporting and forecasting tools
  • Integration with banks/financial institutions

Spending Tracker

Reported bugs

2 issues
  • Transactions sometimes entered in wrong order
  • Backup and restore functionality not always reliable

Requested features

5 requests
  • 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

In-app purchases

None

Accounts 2 Checkbook

No in-app purchases

1 purchases

Spending Tracker

One-time1
  • Pro Upgrade$2.99

Questions

Is Accounts 2 Checkbook free?
Accounts 2 Checkbook costs $3.99, with no in-app purchases.
Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Which has better reviews, Accounts 2 Checkbook or Spending Tracker?
Spending Tracker is rated higher. Accounts 2 Checkbook averages 4.5 out of 5 from 6.7K ratings, while Spending Tracker averages 4.8 from 19K ratings.
Do Accounts 2 Checkbook or Spending Tracker have ads?
Spending Tracker shows ads; Accounts 2 Checkbook does not.
Which is updated more often, Accounts 2 Checkbook or Spending Tracker?
Accounts 2 Checkbook ships an update every 2 weeks, and Spending Tracker every 2 months. Most recently, Accounts 2 Checkbook was updated on September 22, 2026 and Spending Tracker on September 24, 2026.

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