# Spending Tracker vs SUM+= Simple Expense Tracker

The clearest difference is ads: SUM+= Simple Expense Tracker at none against Spending Tracker's shown. SUM+= Simple Expense Tracker also leads on update cadence (every 3 days vs every 2 months). Spending Tracker's advantage is device support (5 vs 1) and iOS requirement (15.5 vs 26.2). On price, review sentiment, 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 SUM+= Simple Expense Tracker sells 4 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Spending Tracker ships an update every 2 months, SUM+= Simple Expense Tracker every 3 days. The most recent releases landed on October 14, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | Spending Tracker | SUM+= Simple Expense Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (19K ratings)](https://appshunter.io/ios/app/spending-tracker/id548615579/reviews)** | — |
| Number of ratings | **19K** | — |
| Positive reviews | 94.5% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 3 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 50 MB | 26 MB |
| Requires iOS | **15.5** | 26.2 |
| Devices | **iPhone, iPad, iPod, Mac, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MH Riley Ltd](https://appshunter.io/developer/409695800) | [Jonas Zimmermann](https://appshunter.io/developer/1869111182) |

## 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


### SUM+= Simple Expense Tracker

[App page](https://appshunter.io/ios/app/sum-plus-simple-expense-tracker/id6757820811)

This finance app simplifies expense tracking with AI assistance, allowing for quick data entry and powerful analysis through large language models. It prioritizes user control and privacy with local data storage and a minimalist design.

**Highlights:** AI-assisted data entry, LLM analysis and forecasting, Minimalist and beautiful design, Local data storage and privacy, User-controlled database, Subscription options with free trial

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SUM Pro | $3.99 | per month |
| SUM Pro | $22.99 | per year |
| 7-day Trial | Free | one-time |
| Sum Premium | $6.99 | one-time |


## Frequently asked questions

### Is Spending Tracker free?

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

### Is SUM+= Simple Expense Tracker free?

SUM+= Simple Expense Tracker is free to download, with in-app purchases available.

### Do Spending Tracker or SUM+= Simple Expense Tracker have ads?

Spending Tracker shows ads; SUM+= Simple Expense Tracker does not.

### Which is updated more often, Spending Tracker or SUM+= Simple Expense Tracker?

Spending Tracker ships an update every 2 months, and SUM+= Simple Expense Tracker every 3 days. Most recently, Spending Tracker was updated on October 14, 2026 and SUM+= Simple Expense Tracker on October 2, 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.*