# Spending Tracker vs Accounts 3 Lite

Spending Tracker and Accounts 3 Lite both sit at 4.8 stars, but that hides the real split: 95% of Spending Tracker's written reviews are positive against 47% of Accounts 3 Lite's. Spending Tracker also leads on ratings volume (19K vs 214) and device support (5 vs 3). Accounts 3 Lite's advantage is in-app purchases (none vs 1) and ads (none vs shown). On price, rating and iOS requirement there is nothing between them.

Both are free to download. Spending Tracker sells 1 one-off in-app purchase. Accounts 3 Lite asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.8 for Spending Tracker against 4.7 for Accounts 3 Lite. That said, the two scores are not equally well evidenced: Spending Tracker has 19K ratings behind it against 214, 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 47% of Accounts 3 Lite's.

Spending Tracker ships an update every 2 months, Accounts 3 Lite every 3 weeks. The most recent releases landed on September 24, 2026 and September 15, 2026 respectively.

## The numbers

| Metric | Spending Tracker | Accounts 3 Lite |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (19K ratings)](https://appshunter.io/ios/app/spending-tracker/id548615579/reviews)** | [4.7 (214 ratings)](https://appshunter.io/ios/app/accounts-3-lite-checkbook/id1644525607/reviews) |
| Number of ratings | **19K** | 214 |
| Positive reviews | **94.6% of reviews** | 46.7% of reviews |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 50 MB | 11 MB |
| Requires iOS | 15.5 | **14.0** |
| Devices | **iPhone, iPad, iPod, Mac, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MH Riley Ltd](https://appshunter.io/developer/409695800) | [SVT Software](https://appshunter.io/developer/286029963) |

## 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


### Accounts 3 Lite

[App page](https://appshunter.io/ios/app/accounts-3-lite-checkbook/id1644525607)

Manage your personal finances with this intuitive checkbook replacement app. Track daily transactions, schedule recurring payments, and capture photo receipts. Visualize your spending with detailed reports and graphs, and export your data for desktop use.

**Highlights:** Schedule recurring transactions, Capture photo receipts, Generate financial reports and graphs, Reconcile transactions with bank statements, Export data in CSV, QIF, and HTML, Supports Touch and Face ID, Split transactions across categories

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use checkbook register
- 👍 Helpful for personal finance
- 👍 Good for simple tracking
- 👍 Keeps all budget information
- 👍 Works well for personal needs

**What reviewers complain about**

- 😠 Persistent pop-ups
- 😠 Forceful upgrade prompts
- 😠 No sub-accounts
- 😠 Recurring charges not included in total outstanding
- 😠 Sync issues causing data loss

**Reported bugs**

- Pop-ups for paid versions
- Sync issues deleting transactions
- Recurring transaction memos not updating correctly
- Recurring screen starting date/time squished

**Requested features**

- Add total outstanding balance with recurring charges
- Import PDF files for checks
- Add sub-accounts
- Add PDF support for checks
- Add recurring transfers between accounts


## Frequently asked questions

### Is Spending Tracker free?

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

### Is Accounts 3 Lite free?

Accounts 3 Lite is free to download, with no in-app purchases.

### Which has better reviews, Spending Tracker or Accounts 3 Lite?

Spending Tracker is rated higher. Spending Tracker averages 4.8 out of 5 from 19K ratings, while Accounts 3 Lite averages 4.7 from 214 ratings.

### Do Spending Tracker or Accounts 3 Lite have ads?

Spending Tracker shows ads; Accounts 3 Lite does not.

### Which is updated more often, Spending Tracker or Accounts 3 Lite?

Spending Tracker ships an update every 2 months, and Accounts 3 Lite every 3 weeks. Most recently, Spending Tracker was updated on September 24, 2026 and Accounts 3 Lite on September 15, 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.*