Comparison

Spending Tracker vs Simple Budget

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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

About

Simple Budget

Manage your personal finances with this straightforward expense tracker. Monitor spending, set savings goals, and track bills and debt. Offers offline access, automatic cloud backup, and customizable reports to help you stay on top of your money.

Highlights
  • Expense and income tracking
  • Budget planning and savings goals
  • Debt and bill management
  • Offline finance management
  • Automatic cloud backup
  • Customizable expense categories
  • Forecasting future expenses
Features
Read full description

Simple Budget is a private expense tracker and budget planner that works completely offline — no bank login, no signup, nothing to connect. Add an expense, log your income, and see exactly where your money goes. If you've tried a budgeting app that wanted your bank password before you'd even set a budget, Simple Budget is the alternative: every number comes from you, stored on your device, not pulled from a linked account. WHAT'S INSIDE • Expense & income tracking, with a real-time balance by day, week or month • A budget planner with overspend alerts, so you know before you go over • Bills & recurring payments, with start and end dates — mark each one paid or pending • A two-year calendar view of every expense and bill • Weekly and monthly reports with a top-5 category pie chart, plus 5 monthly spending insights • Savings goals and a debt tracker, so paying things off feels like progress, not guesswork • Custom categories, duplicate-in-one-tap entries, search and export • Free cloud backup and restore • Daily and weekly reminders, dark mode, and 9 in-app languages (English, Spanish, French, German, Korean, Japanese, Portuguese, Chinese, Hindi) WHO IT'S FOR Students working with a fixed allowance. Freelancers whose income changes every month. Households and couples splitting bills who want one clear picture instead of two separate mental tallies. Anyone who'd rather type in a number than link a bank account to a stranger's server. FREE TO USE, WITH OPTIONAL PREMIUM Simple Budget is free to use, supported by ads, with a generous free plan that covers every core feature — expense tracking, budgets, bills, reports, savings goals and the debt tracker included. Premium (monthly subscription or a one-time lifetime purchase) removes ads, unlocks unlimited accounts and budgets, and adds extra spending insights. There's no requirement to upgrade to use the app for real budgeting. THE PRIVACY PART Simple Budget doesn't ask for a bank login, and it works fully offline — your expenses and budgets live on your device. The app does show ads and, if you choose to back up or restore your data, that data is linked to your account so it can be restored later; our full privacy details are in the App Privacy section below. Download Simple Budget and set up your first budget in under a minute. Please find our Terms of Use, Privacy Policy and Support Centre links below. Terms of use: https://simplebudget.online/apps/terms/simplebudget/ Privacy Policy: https://simplebudget.online/policysimplebudget/ Help Centre: https://simplebudget.online/apps/support/simplebudget/

Screenshots

Spending Tracker4 screens
Simple Budget4 screens

Verdict

The call

The clearest difference is update cadence: Simple Budget at weekly against Spending Tracker's every 2 months. Simple Budget also leads on rating (5.0 vs 4.8). Spending Tracker's advantage is review sentiment (95% vs 67%) and ratings volume (19K vs 1). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Spending Tracker sells 1 one-off in-app purchase and Simple Budget sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Simple 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 1, so its average is the more settled of the two. Written reviews complicate that: 95% of Spending Tracker's written reviews are positive against 67% of Simple Budget's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Spending Tracker ships an update every 2 months, Simple Budget weekly. The most recent releases landed on October 17, 2026 and October 7, 2026 respectively.

Scorecard5 real differences · 5 level
Spending Tracker versus Simple Budget: the parameters behind the verdict, then further details
ParameterSpending TrackerSimple Budget
PriceFreeFree
Rating4.8 (19K ratings)5.0 (1 ratings) — better
Positive reviews94.5% of reviews — better66.7% of reviews
Number of ratings19K — better1
Update frequencyEvery 2 monthsWeekly — better
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod, Mac, Apple Watch — betteriPhone, iPad, iPod
Requires iOS15.5 — better15.6
Further details — not scored
Size50 MB70 MB
Age rating4+4+
DeveloperMH Riley LtdWaheed Nazir

Customer experience

Spending Tracker

All ratings19,361 ratings
Positive96.7%
Neutral1.9%
Negative1.4%
Written reviews2,934 reviews
Positive94.5%
Neutral2.5%
Negative2.9%

Simple Budget

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews6 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

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

Simple Budget

Not enough reviews yet to summarise bugs or requests.

In-app purchases

1 purchases

Spending Tracker

One-time1
  • Pro Upgrade$2.99
2 purchases

Simple Budget

Subscriptions1
  • Monthly Subscription$4.991 Month
One-time1
  • Lifetime$69.99

Questions

Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Is Simple Budget free?
Simple Budget is free to download, with in-app purchases available.
Which has better reviews, Spending Tracker or Simple Budget?
Simple Budget is rated higher. Spending Tracker averages 4.8 out of 5 from 19K ratings, while Simple Budget averages 5.0 from 1 ratings.
Do Spending Tracker or Simple Budget have ads?
Both Spending Tracker and Simple Budget show ads.
Which is updated more often, Spending Tracker or Simple Budget?
Spending Tracker ships an update every 2 months, and Simple Budget weekly. Most recently, Spending Tracker was updated on October 17, 2026 and Simple Budget on October 7, 2026.

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