# Spending Tracker vs Money Focus

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.

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.

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.

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

## The numbers

| Metric | Spending Tracker | Money Focus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (19K ratings)](https://appshunter.io/ios/app/spending-tracker/id548615579/reviews)** | [4.2 (72 ratings)](https://appshunter.io/ios/app/money-focus/id1190195502/reviews) |
| Number of ratings | **19K** | 72 |
| Positive reviews | **94.6% of reviews** | 79.1% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | **Every 2 months** | Every 4 months |
| Monetization | **Free with in-app purchases** | Subscription |
| Size | 50 MB | 46 MB |
| Requires iOS | **15.5** | 15.6 |
| Devices | **iPhone, iPad, iPod, Mac, Apple Watch** | iPhone, iPad, iPod, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [MH Riley Ltd](https://appshunter.io/developer/409695800) | [LINKLINKS LTD](https://appshunter.io/developer/600375781) |

## What reviewers say

### 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


### Money Focus

[App page](https://appshunter.io/ios/app/money-focus/id1190195502)

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:** macOS Compatibility, Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium - 6 months | $2.99 | per 6 months |
| Pro Version | $4.99 | one-time |

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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

**Requested features**

- 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


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