# Spending vs Tracky

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.

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

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.

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.

## The numbers

| Metric | Spending | Tracky |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (7 ratings)](https://appshunter.io/ios/app/spending/id509905009/reviews) | **[4.6 (124 ratings)](https://appshunter.io/ios/app/tracky-simple-budget-planner/id1663043762/reviews)** |
| Number of ratings | 7 | **124** |
| Positive reviews | **87.5% of reviews** | 84.8% of reviews |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 18 months | **Every 2 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 4 MB | 87 MB |
| Requires iOS | **9.0** | 18.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Steve Harris](https://appshunter.io/developer/509905012) | [Adrien Carvalot](https://appshunter.io/developer/1498484091) |

## What reviewers say

### Spending

[App page](https://appshunter.io/ios/app/spending/id509905009)

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:** macOS Compatibility

**In-app purchases:** none


### Tracky

[App page](https://appshunter.io/ios/app/tracky-simple-budget-planner/id1663043762)

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:** macOS Compatibility, Family Sharing, Siri integration, Vision Pro support

**In-app purchases (15)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $1.99 | per month |
| Premium | $2.99 | per month |
| Premium | $2.99 | per month |
| Premium | $4.99 | per month |
| Premium | $14.99 | per year |
| Premium | $19.99 | per year |
| Premium | $29.99 | per year |
| Premium | $1.99 | one-time |
| Premium | $2.99 | one-time |
| Premium | $4.99 | one-time |
| Premium | $8.99 | one-time |
| Premium | $17.99 | one-time |
| Premium | $29.99 | one-time |
| Premium | $39.99 | one-time |
| Premium | $49.99 | one-time |

**What reviewers like**

- 👍 Simple and intuitive user interface
- 🎨 Clean, modern, and visually appealing design
- 💰 Affordable pricing with lifetime premium option
- 📱 Excellent widget and home screen integration
- 🎯 Effective envelope budgeting system

**What reviewers complain about**

- 🐛 Navigation bug: app loads wrong month's envelopes
- 💾 Data loss when switching devices without backup
- 🔄 Sync issues causing entries to disappear on network changes
- 📱 Not available for Mac/desktop
- 💳 Paywall appears frequently in free version

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*