# Spending Tracker vs Expense & Budget

The clearest difference is ratings volume: Spending Tracker at 19K against Expense & Budget's 6. Expense & Budget's advantage is rating (5.0 vs 4.8) and update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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 every 3 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Spending Tracker | Expense & Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (19K ratings)](https://appshunter.io/ios/app/spending-tracker/id548615579/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/expense-and-budget/id1639025306/reviews)** |
| Number of ratings | **19K** | 6 |
| Positive reviews | 94.5% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 50 MB | 54 MB |
| Requires iOS | 15.5 | **15.0** |
| 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) | [Apponance, Inc.](https://appshunter.io/developer/1402331968) |

## 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


### Expense & Budget

[App page](https://appshunter.io/ios/app/expense-and-budget/id1639025306)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Service | $1.99 | per month |
| Premium App | $4.99 | one-time |


## Frequently asked questions

### Is Spending Tracker free?

Spending Tracker is free to download, with in-app purchases available.

### Is Expense & Budget free?

Expense & Budget is free to download, with in-app purchases available.

### Which has better reviews, Spending Tracker or Expense & Budget?

Expense & Budget is rated higher. Spending Tracker averages 4.8 out of 5 from 19K ratings, while Expense & Budget averages 5.0 from 6 ratings.

### Do Spending Tracker or Expense & Budget have ads?

Both Spending Tracker and Expense & Budget show ads.

### Which is updated more often, Spending Tracker or Expense & Budget?

Spending Tracker ships an update every 2 months, and Expense & Budget every 3 weeks. Most recently, Spending Tracker was updated on October 25, 2026 and Expense & Budget on October 24, 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.*