Comparison

Spending Tracker vs Money Focus

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

Head to head
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

About

Money Focus

Manage personal and business finances with this comprehensive app. Track accounts, create budgets, monitor bills, and generate detailed reports. Supports multiple profiles, currencies, and offers passcode protection for your financial data.

Highlights
  • Account transaction and balance tracking
  • Budget creation and tracking
  • Bill management with reminders
  • Income and expense tracking
  • Multiple profile support
  • Financial reports and charts
  • Passcode protection
Features
Read full description

A simple but comprehensive, brief and clear personal & business finance management app. Be good at managing money matters will make your life relaxed and well-organized. Check your Accounts transactions and balance; Check Transactions under a Category; Create Budgets and track transactions under them; Track income and expense Bills and make sure they are paid on time. View Transactions by date. It supports multiple profiles; you can track yours, family members or business finance separately. It can list your transaction by daily, weekly, monthly or yearly, and generate kinds of reports, so you can see clearly about your earnings and spending. Key Features: ⁃ Add a transaction with photo of receipt, payees, account, category, budget, check number, and date. ⁃ Track total accounts balance and balance of each account. ⁃ Check transactions of each account. ⁃ Create categories and sub-categories. ⁃ Check transactions and amounts under a category. ⁃ Create budgets and transaction their transactions. ⁃ Calendar and list view of bills. ⁃ Mark bills as fully or partially paid. ⁃ Create bills reminders to make sure they are paid on time. ⁃ Calendar and list view of Bills. ⁃ Track income and expense bills with or without a repeat cycle. ⁃ Show all transactions by daily, weekly, monthly and yearly. ⁃ Copy transaction to quick add a new one. ⁃ Hide or show cleared transactions. ⁃ Add repeat and one time transactions. ⁃ Mark transaction as cleared or not. ⁃ Dividing one transaction to multiple. ⁃ Built-in calculator or default keyboard to enter amount. ⁃ Check total accounts balance chart view. ⁃ Supports multiple currencies. ⁃ Search transactions by payee, category, account, amount or note. ⁃ Over view of recently finance status. ⁃ Nine finance reports. ⁃ Supports multiple groups, manage your personal, family member and business finance separately. ⁃ Passcode protection. ⁃ Share data by email. ⁃ Supports AirPrint. ⁃ iCloud backup and restore. ⁃ Dropbox backup and restore. ⁃ Create multiple reminders. ⁃ Refresh exchange rate or change them manually. ⁃ Supports Today Widget. ⁃ Supports Apple Watch. ⁃ Supports universal version (available on both iPhone and iPad). Payment: Payment will be charged to iTunes Account at confirmation of purchase. Subscribe semiannual. You will be charged in your local currency at the prevailing exchange rate as defined by iTunes." Purchase semiannual subscription for all features for USD$2.99. Auto Renew: Once subscribes, your account will be charged USD$2.99/semiannual, based on your previous subscription, for renewal within 24-hours before the end of the current period. Change Subscription Type: If you want to change your subscription type, Open the "Settings" app. Tap your name, then tap "Subscribe." Tap the name of the subscription you want to change. If different types of subscriptions are available, a list will be displayed. Tap the desired option.Tap "Buy". Share Subscription: If you want to share a subscription with family, please open the Settings app, tap your name and Subscriptions. Then tap the name of the subscription that you can share with family, scroll down and turn on Share with Family. Cancel Subscription: Subscriptions are managed by your Apple account and auto-renewal can be turned off at least 24 hours before the end of the current period, in Account Settings after purchase. By completing your subscription, you agree to app's Term of Use & Privacy Policy. Term of Use:https://www.thelinklinks.com/term.html Privacy Policy:https://www.thelinklinks.com/privacypolicy.html If you have any question or want to add more units, please email to linklinksapp@tom.com.

Screenshots

Spending Tracker4 screens
Money Focus4 screens

Verdict

The call

The clearest difference is rating: Spending Tracker at 4.8 against Money Focus's 4.2. Spending Tracker also leads on monetization model (free with in-app purchases vs subscription) and ratings volume (19K vs 72). On price, ads, in-app purchases 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. Spending Tracker sells 1 one-off in-app purchase and Money Focus sells 2 in-app purchases, starting at $2.99 per 6 months. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Spending Tracker holds the better App Store score, 4.8 against 4.2. That said, the two scores are not equally well evidenced: Spending Tracker has 19K ratings behind it against 72, so its average is the more settled of the two. Written reviews point the same way: 95% of Spending Tracker's written reviews are positive against 79% of Money Focus's.

UpkeepUpdate frequency

Spending Tracker ships an update every 2 months, Money Focus every 4 months. Both last shipped on September 26, 2026.

Scorecard5 real differences · 5 level
Spending Tracker versus Money Focus: the parameters behind the verdict, then further details
ParameterSpending TrackerMoney Focus
PriceFreeFree
Rating4.8 (19K ratings) — better4.2 (72 ratings)
Positive reviews94.6% of reviews — better79.1% of reviews
Number of ratings19K — better72
Update frequencyEvery 2 months — betterEvery 4 months
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchases — betterSubscription
DevicesiPhone, iPad, iPod, Mac, Apple Watch — betteriPhone, iPad, iPod, Apple Watch
Requires iOS15.5 — better15.6
Further details — not scored
Size50 MB46 MB
Age rating4+4+
DeveloperMH Riley LtdLINKLINKS LTD

Customer experience

Spending Tracker

All ratings19,361 ratings
Positive96.7%
Neutral1.9%
Negative1.4%
Written reviews2,905 reviews
Positive94.6%
Neutral2.5%
Negative2.9%

Money Focus

All ratings72 ratings
Positive81.9%
Neutral2.8%
Negative15.3%
Written reviews91 reviews
Positive79.1%
Neutral6.6%
Negative14.3%

User reviews

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

Money Focus

From 72 App Store ratings

What we love

  • 👍 Easy to use
  • 💰 Great for tracking expenses
  • 📈 Excellent for planning and organization
  • 🗄️ Comprehensive features
  • 📊 Useful reporting options

Room to improve

  • 🐛 Frequent crashes
  • 💸 Ads in free version
  • 📉 Confusing budgeting module
  • 🔄 Issues after updates
  • ⚠️ Data loss reported

Bugs and requests

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

Money Focus

Reported bugs

14 issues
  • Auto-fill for payers and payees not working after update 7.0
  • SALDI DEI CONTI and FLUSSO CONTANTI fields not working
  • QUEST’ANNO search not working
  • Decimal point not available in calculator
  • App crashes when updating category
Show 9 more
  • App crashes when selecting an account
  • App crashes immediately upon opening after iOS 14.2 update
  • Transactions disappear when clearing others
  • Dropbox crashes when selected
  • Email and print button not working
  • App crashes when putting in a new bill and choosing category
  • Data lost after app crash
  • Keyboard lost decimal point after update
  • Beneficiary/payer loading is very slow

Requested features

14 requests
  • Add decimal point/period to calculator
  • Add Arabic language support
  • Improve auto-fill for payers and payees
  • Add import functionality
  • Implement stack to add view money transactions and budget
Show 9 more
  • Add dark mode
  • Improve sync between devices
  • Allow splitting transactions across multiple budgets
  • Add money goal setting
  • Allow adding transactions from any page/account
  • Add account logos
  • Add different theme options
  • Improve budgeting module
  • Add tutorials for features

In-app purchases

1 purchases

Spending Tracker

One-time1
  • Pro Upgrade$2.99
2 purchases

Money Focus

Subscriptions1
  • Premium - 6 months$2.996 Months
One-time1
  • Pro Version$4.99

Questions

Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Is Money Focus free?
Money Focus is free to download, with in-app purchases available.
Which has better reviews, Spending Tracker or Money Focus?
Spending Tracker is rated higher. Spending Tracker averages 4.8 out of 5 from 19K ratings, while Money Focus averages 4.2 from 72 ratings.
Do Spending Tracker or Money Focus have ads?
Both Spending Tracker and Money Focus show ads.
Which is updated more often, Spending Tracker or Money Focus?
Spending Tracker ships an update every 2 months, and Money Focus every 4 months. Most recently, Spending Tracker was updated on September 26, 2026 and Money Focus on September 26, 2026.

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