# Accounts 2 Checkbook vs Spending Tracker

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.

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.

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.

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 25, 2026 respectively.

## The numbers

| Metric | Accounts 2 Checkbook | Spending Tracker |
| --- | --- | --- |
| Price | $3.99 | **Free** |
| Rating | [4.5 (6.7K ratings)](https://appshunter.io/ios/app/accounts-2-checkbook/id494333145/reviews) | **[4.8 (19K ratings)](https://appshunter.io/ios/app/spending-tracker/id548615579/reviews)** |
| Number of ratings | 6.7K | **19K** |
| Positive reviews | 63.3% of reviews | **94.6% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Paid | **Free with in-app purchases** |
| Best chart rank | **#102** | — |
| Size | 13 MB | 50 MB |
| Requires iOS | **9.0** | 15.5 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [SVT Software](https://appshunter.io/developer/286029963) | [MH Riley Ltd](https://appshunter.io/developer/409695800) |

## What reviewers say

### Accounts 2 Checkbook

[App page](https://appshunter.io/ios/app/accounts-2-checkbook/id494333145)

**Currently charting:** #102 Top Paid · Finance (US App Store)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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**

- 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

[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 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 25, 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.*