Comparison

Spending vs Tracky

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

Head to head
About

Spending

Easily track your daily and monthly expenses by category. This app helps you understand where your money goes, focusing on small, frequent purchases that can add up. Visualize your spending with graphs and manage multiple budgets for different needs.

Highlights
  • Track spending by category
  • View daily, weekly, and monthly expenditure
  • Spending breakdown graphs
  • Customizable categories
  • Multiple budget management
  • Daily spending limits
Features
Read full description

Ever wondered how a week before pay day your bank account and wallet seem pretty much empty? 'Spending' helps you quickly and easily track what you spend and where you spend it, so those pay day blues might become a thing of the past! Most people know when their utility bills or rental payments leave their account. The thing that makes people go overdrawn, or spend more than they realise, are the little payments; the coffee in a morning, the sandwich at lunch, or the drinks after work. Very quickly these payments mount up, and your wallet seems empty more often than it seems full! Unlike many budget management applications, Spending doesn't want to know which store you were at, which card or account you used, or a host of other things. All Spending wants to know is the category you think the payment relates to, and how much you spent. Using this information, it can tell you that all important information - how much you've spent today and so far this month, enabling you to keep a tighter grip on your financial outgoings. Spending has the following features… - Quickly track the amount you've spent on different categories of expenditure. - See at a glance your expenditure for today, the last 7 days, or the current month. - Graphs that show a breakdown of your spending by category, or date. - Create new categories, and change the order of existing ones. - Have several budgets, e.g. for trips abroad. You can override the currency used for a budget too. - Set a budget amount that applies to each month, but override it for specific months when you know you can spend more, or must spend less. - Quickly see how much money you have left for the current month, and how much you can spend each day.

About

Tracky

Easily manage your finances by tracking expenses and creating custom budgets. Allocate funds into categories like groceries or hobbies, and monitor your remaining balance with automatic calculations. Securely manage your money without linking bank accounts.

Highlights
  • Create and manage budgets
  • Track expenses with custom categories
  • Automatic remaining budget calculation
  • Notifications for budget progress
  • Expense history and analysis
  • Recurring budget options
  • iCloud sync across devices
  • Home and lock screen widgets
Features
Read full description

Tracky: Simple Budget Tracker is the simplest and fastest app to manage your budgets, track your expenses, and save money on the go. Take control of your budget by allocating your expenses into different envelopes such as groceries, salary, fuel, hobbies, shopping, vacations, and more. Whether it's recurring expenses or special events, Tracky lets you track your monthly or one-time budgets. Track your expenses and make the most of your savings with Tracky’s automatic calculation of your remaining budget. This fast and easy budget tracking tool is suitable for everyone, regardless of their expertise in budget management. Rest assured, Tracky doesn't require any connection to your bank account, ensuring your data and privacy remain secure. Why should you use Tracky: Simple Budget Tracker? - Quick and easy - Free - Allocate your budget - Track your expenses - Enjoy your savings - No sign-up or login required - No bank account needed - Private & secure: we don't collect your data, it's safe for you - Automatic iCloud sync to share data across multiple devices logged in to the same iCloud account === TRACKY: SIMPLE BUDGET TRACKER FEATURES === - Create and manage your budgets - Add and customize your operations: name, amount, date, icon, color - Automatic calculation of your remaining budget - Stay informed about your budget's progress with notifications - Keep a history of your expenses - Save time by reusing recurring budgets - Easily share your data across multiple devices logged in to the same iCloud account - Widgets: instantly monitor your budget from your lock screen and home screen How to use Tracky: Simple Budget Tracker: 1. Create a budget and give it a name (e.g., "July") 2. Define and customize your envelopes (e.g., "Groceries," "Fuel," "Hobbies") 3. Add your expenses to the envelopes 4. Enter the expense name and amount 5. Personalize the expense by selecting an icon and color 6. Continue adding your expenses as you go, and Tracky will calculate the remaining budget As you can see, Tracky: Simple Budget Tracker is incredibly simple and fast to use. It's the perfect solution for tracking your expenses and budgets without wasting time on understanding the app or linking your bank account, which could compromise your data. Managing your expenses has never been easier, faster, and more efficient. Easily set and monitor your monthly or one-time budgets. Modify them anytime to adapt to your financial situation. Track your expenses accurately and identify areas where you can save. Dive into the detailed expense history for a deeper analysis of your spending habits. Identify trends, strengths, and areas for improvement to optimize your budget. Tracky is the easiest and most convenient app to track your budgets, so what are you waiting for? Download Tracky: Simple Budget Tracker now! *** Our app is FREE to use. However, you can become premium with in-app purchases. You'll have unlimited budgets, envelopes, and expenses, and no ads will be displayed to ensure optimal user experience. All prices are in euros (EUR). Prices in other currencies and countries may vary depending on the country of residence. Thank you for using Tracky: Simple Budget Tracker. Support us by sharing the app with your loved ones and giving us a 5-star rating on the App Store. Your support will enable us to continue improving the app and provide you with an even better financial management experience. Privacy Policy: https://lowly.notion.site/Privacy-Policy-364375656a694f7f9ec206cc001c899c?pvs=4 Terms & Conditions: https://lowly.notion.site/Terms-Conditions-0debe53270c3403fad1926e3ea0abcbd?pvs=4

Screenshots

Spending4 screens
Tracky4 screens

Verdict

The call

The clearest difference is rating: Tracky at 4.6 against Spending's 3.6. Tracky also leads on update cadence (every 2 weeks vs every 18 months) and ratings volume (124 vs 7). Spending's advantage is in-app purchases (none vs 21) and ads (none vs shown). On price, review sentiment and device support 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

Both are free to download. Tracky sells 15 in-app purchases, starting at $1.99 per month. Spending asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Tracky holds the better App Store score, 4.6 against 3.6. That said, the two scores are not equally well evidenced: Tracky has 124 ratings behind it against 7, so its average is the more settled of the two. Written reviews complicate that: 88% of Spending's written reviews are positive against 85% of Tracky's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Spending ships an update every 18 months, Tracky every 2 weeks. The most recent releases landed on October 23, 2026 and October 27, 2026 respectively.

Scorecard7 real differences · 3 level
Spending versus Tracky: the parameters behind the verdict, then further details
ParameterSpendingTracky
PriceFreeFree
Rating3.6 (7 ratings)4.6 (124 ratings) — better
Positive reviews87.5% of reviews — better84.8% of reviews
Number of ratings7124 — better
Update frequencyEvery 18 monthsEvery 2 weeks — better
AdsNo — betterYes
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPod — betteriPhone
Requires iOS9.0 — better18.0
Further details — not scored
Size4 MB87 MB
Age rating4+4+
DeveloperSteve HarrisAdrien Carvalot

Customer experience

Spending

All ratings7 ratings
Positive71.4%
Neutral0.0%
Negative28.6%
Written reviews8 reviews
Positive87.5%
Neutral0.0%
Negative12.5%

Tracky

All ratings124 ratings
Positive89.5%
Neutral2.4%
Negative8.1%
Written reviews79 reviews
Positive84.8%
Neutral6.3%
Negative8.9%

Bugs and requests

Spending

Not enough reviews yet to summarise bugs or requests.

Tracky

Reported bugs

8 issues
  • App opens to wrong month despite correct title display
  • Requires multiple swipes to navigate to current month
  • Entries disappear when switching networks
  • App doesn't always open to the correct page
  • Premium mode requires frequent reactivation
Show 3 more
  • Inability to create new expenses without premium after 5 entries
  • Ads require multiple views before input saves on poor connections
  • Transactions load incorrectly until envelope is clicked and exited

Requested features

17 requests
  • Monthly visual reset for progress bars while maintaining history
  • Mac/desktop application version
  • Ability to reset envelopes monthly without creating new budgets
  • Budget sharing feature for couples and shared accounts
  • Planned/future expense tracking with adjusted balance view
Show 12 more
  • Transfer functionality between envelopes
  • Direct income allocation without envelope requirement
  • More transaction icons (currently limited to ~20-30)
  • Additional color options
  • Due date functionality for envelopes
  • Quick-add expense widget
  • View all transactions under a budget organized by date
  • Ability to delete all expenses in an envelope at once
  • Custom initial budget amount display instead of net balance
  • Bank transaction reconciliation/check-off system
  • Toggle between spent and remaining amount display
  • Archive functionality for monthly expenses

In-app purchases

None

Spending

No in-app purchases

15 purchases

Tracky

Subscriptions7
  • Premium3 Days trial3 variants$1.991 Month
  • Premium7 Days trial$2.991 Month
  • Premium$2.991 Month
Show 4 more
  • Premium2 variants$4.991 Month
  • Premium7 Days trial$14.991 Year
  • Premium7 Days trial2 variants$19.991 Year
  • Premium7 Days trial2 variants$29.991 Year
One-time8
  • Premium$1.99
  • Premium$2.99
  • Premium$4.99
Show 5 more
  • Premium$8.99
  • Premium$17.99
  • Premium$29.99
  • Premium$39.99
  • Premium2 variants$49.99

Questions

Is Spending free?
Spending is free to download, with no in-app purchases.
Is Tracky free?
Tracky is free to download, with in-app purchases available.
Which has better reviews, Spending or Tracky?
Tracky is rated higher. Spending averages 3.6 out of 5 from 7 ratings, while Tracky averages 4.6 from 124 ratings.
Do Spending or Tracky have ads?
Tracky shows ads; Spending does not.
Which is updated more often, Spending or Tracky?
Spending ships an update every 18 months, and Tracky every 2 weeks. Most recently, Spending was updated on October 23, 2026 and Tracky on October 27, 2026.

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