Spending Tracker vs Cookie
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
Cookie
Easily manage your finances with customizable categories, budget goals, and savings plans. Track expenses, income, and accounts across multiple currencies with automatic exchange rate conversion. Offers privacy protection and cloud sync across devices.
- Customizable income/expense categories
- Budget goal setting
- Savings plan creation
- Multi-currency support with auto-conversion
- Subscription & installment management
- Cloud sync across devices
- Privacy protection with password lock
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【App Store Editors' Choice】 The most beautiful and intuitive Budget & Expense app. Thank you for choosing Cookie. Ad-free, no splash screens, and zero financial distractions. Beyond the bills, it’s the footprint of your life. 【Aesthetics as Justice】 Experience the "Liquid Glass" effect perfectly paired with Material You dynamic color palettes. Switch between multiple themes freely to suit your style. Access over 3,000 built-in emoji icons or upload your own to personalize every entry. 【All-in-One AI Entry】 Cookie supports screenshot, voice, photo, and text entry. Our AI large models automatically identify information and generate entries, truly freeing your hands for a seamless tracking experience. 【Multi-Dimensional Scenarios】 Cover everything from budget management and savings plans to subscription installments and templates. With support for multiple ledgers and reimbursement management, Cookie meets every need from meticulous planning to quick entry. 【Multi-Currency Support】 Supports over 100 global currencies with exchange rates updated daily. It is the ideal financial tool for international students and cross-border travelers. 【Free Cloud Sync】 Your data is securely stored in iCloud, with real-time synchronization across iPhone, iPad, Mac, and Apple Watch for a consistent experience on all your devices. 【Home Screen Widgets】 Stay on top of your finances with a variety of widgets for income, budgets, savings, calendars, and streaks. Monitor your financial status at a glance without even opening the app. 【Data Security】 Protect your privacy with FaceID passcode locks and automatic blurring when the app enters the background. Your financial data remains strictly confidential and secure. ● Contact Us A. Xiaohongshu: Cookie 记账 B. Email: feedback@noncurious.com ● Auto-Renewable Subscription Terms A. Subscription Pricing: Monthly at ¥6, Yearly at ¥30, or Lifetime Purchase for ¥68. Prices are subject to exchange rates and may vary by region; adjustments may occur during promotional periods. B. Cancellation: To cancel, please manually disable the auto-renewal feature in your Apple ID settings at least 24 hours before the current period expires. C. Privacy Policy: https://noncurious.com/cookie/privacy D. User Agreement: https://noncurious.com/cookie/usage
Screenshots
Verdict
The clearest difference is ads: Cookie at none against Spending Tracker's shown. Cookie also leads on update cadence (every 9 days vs every 2 months). Spending Tracker's advantage is ratings volume (19K vs 333). On price, rating, review sentiment 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
Both are free to download. Spending Tracker sells 1 one-off in-app purchase and Cookie sells 4 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 4.8 for Spending Tracker against 4.9 for Cookie. That said, the two scores are not equally well evidenced: Spending Tracker has 19K ratings behind it against 333, so its average is the more settled of the two. Written reviews are what separate them: 95% of Spending Tracker's written reviews are positive against 92% of Cookie's.
Spending Tracker ships an update every 2 months, Cookie every 9 days. The most recent releases landed on September 26, 2026 and September 23, 2026 respectively.
| Parameter | Spending Tracker | Cookie |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (19K ratings) | 4.9 (333 ratings) — better |
| Positive reviews | 94.6% of reviews — better | 91.8% of reviews |
| Number of ratings | 19K — better | 333 |
| Update frequency | Every 2 months | Every 9 days — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod, Mac, Apple Watch | iPhone, iPad, iPod, Mac, Apple Watch |
| Requires iOS | 15.5 | 15.0 — better |
| Further details — not scored | ||
| Size | 50 MB | 140 MB |
| Age rating | 4+ | 4+ |
| Developer | MH Riley Ltd | Beijing Noncurious Technology Co., Ltd. |
Customer experience
Spending Tracker
Cookie
User reviews
Spending Tracker
From 19K App Store ratingsWhat 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
Cookie
From 333 App Store ratingsWhat we love
- 👍 Simple and clean UI
- 🚀 Convenient and easy to use
- 💯 Comprehensive features
- 💰 Affordable subscription
- 🔒 No ads or in-app purchases
Room to improve
- 🐛 Sync issues and data loss after updates
- ⚠️ Limited location and currency support
- 🔍 Lack of advanced reporting and analytics
- 🕰️ Slow transaction sync
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
Cookie
Reported bugs
3 issues- Disappearing transaction history
- Incorrect currency conversion
- Widget and Apple Watch app issues
Requested features
5 requests- Ability to import data from other apps
- Customizable budgeting and forecasting tools
- Multi-user and shared account support
- Automatic categorization and tagging
- Integration with banking/financial services
In-app purchases
Spending Tracker
- Pro Upgrade$2.99
Cookie
- Cookie Monthly Membership$0.991 Month
- Cookie Annual Premium Member$4.491 Year
- 打赏催更$0.99
- Cookie lifetime premium member$9.99









