Spending Tracker vs Expense & Budget
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
Expense & Budget
This app helps you manage your personal finances by tracking expenses, creating budgets, and visualizing your financial status. It offers tools to understand spending habits, save money, and make informed financial decisions. Easily record income, expenses, and transfers to gain a clear overview of your financial health.
- Record and categorize income, expenses, and transfers
- Streamlined timeline view of finances
- Comprehensive expense and budget tracker
- Centralized daily financial records
- Generate reports on spending patterns
- Exportable PDF reports
- Visual chart analysis of financial health
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**Take control of your money in two taps a day — no bank login, no data harvesting, ever.** Log every expense, income, and transfer in seconds. Set budgets that warn you *before* you overspend. See your whole month in clean charts. Your books stay on your device — no bank logins, no selling your spending habits, no ad network watching where your money goes. Built for anyone who wants real control of their money — freelancers with uneven income, families splitting bills, savers chasing a goal, anyone done handing their financial life to a faceless app. Simple enough to use daily. Strong enough to pay off debt, build savings, and finally answer "where did the month go?" **Features:** - **Add money in two taps** — Income, expense, or transfer on one fast screen with a tap-to-pick category grid. Snap a receipt photo and attach it to any entry. Logged before your coffee gets cold. - **Budget alerts before you overspend** — Set a budget for any category and get a push notification at 75%, 90%, and 100%. The first warning comes early — not after you're already in the red. - **See exactly where it goes** — Spending trends, income-vs-expense bars, category breakdown donuts, and a net-worth line. Your entire financial picture on one screen. - **Your month, every way you look at it** — Daily, weekly, and monthly views plus a full calendar with per-day totals. Tap any day to see exactly what you spent. - **Every account in one place** — Cash, checking, savings, credit cards, loans, investments, and more — each in its own currency. Cross-currency transfers lock in the exchange rate the moment you enter them, so old balances never drift. - **Recurring bills post themselves** — Salary, rent, subscriptions, and loan payments land automatically on the right date. Set it once and forget it. - **No bank links. Ever.** — Nothing connects to your bank. Your books live on your device, full stop. Your spending habits are never sold, tracked, or mined. - **Free cloud sync + web app** — Sign in with Apple or Google to back up and sync across iPhone, iPad, and the web app at app.moneyeco.io. Sync is free for everyone — never paywalled. - **Lock it down** — Hide your finances behind a PIN plus Face ID or Touch ID. - **Your data is yours** — Export your entire history to one backup file and import it anywhere. Sign out and your local books stay put. - **One-time upgrade** — Pay once to remove ads and unlock unlimited accounts and budgets. No subscription. No recurring charge. Yours forever. Whether you're paying off debt, building a savings runway, splitting bills, or just want to know where the month went — Expense Budget gives you the full picture and keeps it completely private. === Premium Subscription - Payment charged to your Account at confirmation of purchase - Subscription renews automatically unless cancelled at least 24 hours before the end of the current period - Manage or turn off auto-renewal anytime in your Account Settings - Privacy Policy: https://apponance.com/privacy - Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula
Screenshots
Verdict
The clearest difference is ratings volume: Spending Tracker at 19K against Expense & Budget's 6. Spending Tracker also leads on device support (5 vs 3). Expense & Budget's advantage is update cadence (fortnightly vs every 2 months) and rating (5.0 vs 4.8). On price, ads, in-app purchases and monetization model 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 Expense & Budget sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.
Expense & Budget holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Spending Tracker has 19K ratings behind it against 6, so its average is the more settled of the two.
Spending Tracker ships an update every 2 months, Expense & Budget fortnightly. The most recent releases landed on September 28, 2026 and September 27, 2026 respectively.
| Parameter | Spending Tracker | Expense & Budget |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (19K ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 94.6% of reviews | — |
| Number of ratings | 19K — better | 6 |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | Yes | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod, Mac, Apple Watch — better | iPhone, iPad, iPod |
| Requires iOS | 15.5 | 15.0 — better |
| Further details — not scored | ||
| Size | 50 MB | 52 MB |
| Age rating | 4+ | 4+ |
| Developer | MH Riley Ltd | Apponance, Inc. |
Customer experience
Spending Tracker
Expense & Budget
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
Expense & Budget
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Spending Tracker
- Pro Upgrade$2.99
Expense & Budget
- Premium Service$1.991 Month
- Premium App$4.99
Questions
Is Spending Tracker free?
Is Expense & Budget free?
Which has better reviews, Spending Tracker or Expense & Budget?
Do Spending Tracker or Expense & Budget have ads?
Which is updated more often, Spending Tracker or Expense & Budget?
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