Spentable vs MoneyConfidence
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spentable
Effortlessly track your expenses and savings with a user-friendly interface. Visualize your spending habits with monthly charts and customize categories with emoji icons. Supports Apple Watch and Notification Center widgets for quick entry.
- Easy expense tracking
- Monthly spending charts
- Customizable categories with emojis
- Apple Watch app
- Notification Center widget
- Unlimited expense data
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Featured as Best Finance / Productivity / Lifestyle App Spentable Features: - A super easy to use tracking experience: choose a category and input the amount. - A monthly expense chart gives you a glimpse of your monthly spending habits. - Dozens of predefined categories OR create your own categories with Emoji Icons! - Adjust the order of the categories in a way that suits your needs. - Support us and get the following features as well! - The Apple Watch OS App. - The Notification Center Widget. - Keep track of unlimited expense data. - Great future updates! --- "Once upon a time, there was a kid named Steven. Steven graduated from a local university, and applied for a local job. He worked really hard at his job, and made an honest living. However, Steven didn’t know how to manage his spending. Every month he would spend and spend and eventually his income would run out, without saving a dime. “I want to save more money!” He thought to himself. So he set out to turn his financial life around. To his luck, he found an app called Spentable. An app that allowed him to use the notification center to quickly add expenses to a predefined category. No typing, just choose a category, input a number, and press enter, all from the notification center. Steven soon saved up enough money to get himself an Apple Watch, which he used to enter his expenses through the Apple Watch Spentable app. He simply lifted his wrist, and in one single tap, he was in. His phone never left his pocket. Steven went on to get a car, buy a house and marry the guy of his dreams, all thanks to Spentable. Get Spentable. Get the love of your life.
MoneyConfidence
This personal finance app provides tools for budgeting, expense tracking, and setting savings goals. It offers AI-powered financial coaching and educational resources to help users gain control of their finances and build wealth.
- Budget tracking
- Expense logging
- Credit score monitoring
- SMART goal setting
- Net worth calculation
- AI financial coaching
- Bills calendar
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MoCo – MoneyConfidence is your personal finance coach, built to help you take real control of your financial life. Whether you're budgeting for the first time or building serious wealth, MoCo gives you the tools, tracking, and guidance to make it happen. WHAT YOU CAN DO WITH MOCO: • Budget — Track income and spending by category every month • Expenses — Log and monitor every transaction in one place • Credit Score — Log and track Equifax, TransUnion, Experian & FICO scores over time • SMART Goals — Set savings goals and watch your progress grow • Net Worth — Know exactly where you stand financially • Vision Board — Visualize what you're working toward • Education — Learn key financial concepts at your own pace • Ask MoCo — Get AI-powered financial coaching 24/7 • Bills Calendar — Add all your bills in one place PLANS FOR EVERY STAGE: Start with MoCo Basic and upgrade as your goals grow — from Starter to Plus to Premium, each plan unlocks more powerful tools to accelerate your financial journey. All plans include a 7-day free trial. Cancel anytime. BUILT FOR REAL LIFE: MoCo was designed with everyday people in mind — clean, simple, and focused on results. No fluff, no confusion. Just clarity and confidence with your money. Download MoCo today and start your journey to financial freedom. Terms of Use: https://trymoco.com/terms.html
Screenshots
Verdict
The clearest difference is review sentiment: MoneyConfidence at 100% against Spentable's 50%. MoneyConfidence also leads on price (Free vs $1.99) and rating (5.0 vs 3.3). Spentable's advantage is iOS requirement (11.0 vs 15.1). On ratings volume, update cadence, ads and in-app purchases 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
MoneyConfidence is free to download; Spentable costs $1.99 up front. Spentable sells 1 one-off in-app purchase and MoneyConfidence sells 4 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.
MoneyConfidence holds the better App Store score, 5.0 against 3.3. Both are backed by a comparable volume of ratings — 13 and 6 respectively. Written reviews point the same way: 50% of Spentable's written reviews are positive against 100% of MoneyConfidence's.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.
| Parameter | Spentable | MoneyConfidence |
|---|---|---|
| Price | $1.99 | Free — better |
| Rating | 3.3 (13 ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 50.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 13 — better | 6 |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Paid | Freemium — better |
| Devices | iPhone, iPod, Apple Watch — better | iPhone, iPod |
| Requires iOS | 11.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 25 MB | 48 MB |
| Age rating | 4+ | 17+ |
| Developer | Oursky Limited | LaToya Cheek |
Customer experience
Spentable
MoneyConfidence
In-app purchases
Spentable
- Today Widgets Extension$2.99
MoneyConfidence
- MoCo Basic$9.991 Month
- MoCo Starter$19.991 Month
- MoCo Plus$29.991 Month
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- MoCo Premium$49.991 Month









