Spending Tracker vs Spendaq
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
Spendaq
This app helps you track your expenses and manage your budget without needing to link bank accounts. It offers a private and secure way to monitor your spending, set budget limits, and view detailed reports. Features include quick transaction logging, recurring bill reminders, and customizable categories.
- Fast expense logging
- Customizable budgets
- Privacy-focused design
- Offline functionality
- Data export (Pro)
- Multiple financial vaults (Pro)
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Stop wondering where your money went. Spendaq is the fast, private expense tracker and money manager that puts you back in control — log daily spending, track subscriptions and recurring bills, and plan your monthly budget. No bank login, no data sold, no clutter. Just your money, clearly tracked. LOG EXPENSES IN SECONDS Add any transaction in under 5 taps. Set recurring bills once, never forget them. Use categories, payment methods, and notes to stay organised. BUDGETS THAT ACTUALLY WORK Set a monthly limit per category and get alerted before you overspend. The spending ring on your dashboard shows exactly where your money goes — at a glance. TOTAL PRIVACY No bank connection. No data sold. Your financial data lives on your device and optionally in your private iCloud — nowhere else. EVERYWHERE YOU NEED IT Apple Watch complication, home screen and lock screen widgets, full iPhone and iPad support. Works completely offline. ICLOUD BACKUP (PRO) Back up and restore your data securely to iCloud. Switch phones or restore from backup — your data is always safe and private. MULTIPLE VAULTS (PRO) Separate personal, travel, and business expenses in isolated vaults. Switch between them in one tap. EXPORT & REPORTS (PRO) Export to CSV or PDF. Deep monthly reports, category breakdowns, date-range filters, and payment method analysis. PRO INCLUDES: - Unlimited transactions - iCloud encrypted backup - CSV and PDF export - Advanced reports and date filters - Custom categories - Payment method tracking - Multiple vaults - Apple Watch and home screen widgets Start with a free 1-week trial. Cancel anytime, no questions asked. SUBSCRIPTION INFO: Spendaq Pro is an optional auto-renewing subscription. Payment is charged to your Apple ID account at confirmation of purchase. Your subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in App Store Settings. Privacy Policy: https://www.spendaq.com/privacy Terms of Use: https://www.spendaq.com/terms Your money. Your rules. Your privacy.
Screenshots
Verdict
The clearest difference is ads: Spendaq at none against Spending Tracker's shown. Spendaq also leads on update cadence (every 3 weeks vs every 2 months). Spending Tracker's advantage is ratings volume (19K vs 2) and rating (4.8 vs 4.5). On price, review sentiment, 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 Spendaq sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.
Spending Tracker holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: Spending Tracker has 19K ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 95% of Spending Tracker's written reviews are positive against 100% of Spendaq's, so the app with the better star average is not the one people write more warmly about.
Spending Tracker ships an update every 2 months, Spendaq every 3 weeks. Both last shipped on September 26, 2026.
| Parameter | Spending Tracker | Spendaq |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (19K ratings) — better | 4.5 (2 ratings) |
| Positive reviews | 94.6% of reviews | 100.0% of reviews — better |
| Number of ratings | 19K — better | 2 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPad, iPod, Mac, Apple Watch — better | iPhone, iPad, Apple Watch |
| Requires iOS | 15.5 — better | 17.0 |
| Further details — not scored | ||
| Size | 50 MB | 14 MB |
| Age rating | 4+ | 4+ |
| Developer | MH Riley Ltd | Rakib Joarder |
Customer experience
Spending Tracker
Spendaq
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
Spendaq
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Spending Tracker
- Pro Upgrade$2.99
Spendaq
- Spendaq Pro Monthly$4.991 Month
- Spendaq Pro Annual7 Days trial$29.991 Year
- Spendaq Pro – Lifetime$79.99









