# Spending Tracker vs MoneyCloud

The clearest difference is ads: MoneyCloud at none against Spending Tracker's shown. MoneyCloud also leads on update cadence (every 6 days vs every 2 months) and rating (5.0 vs 4.8). Spending Tracker's advantage is ratings volume (19K vs 1) and device support (5 vs 1). 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 MoneyCloud sells 5 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

MoneyCloud 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 point the same way: 95% of Spending Tracker's written reviews are positive against 100% of MoneyCloud's.

Spending Tracker ships an update every 2 months, MoneyCloud every 6 days. The most recent releases landed on October 15, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | Spending Tracker | MoneyCloud |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (19K ratings)](https://appshunter.io/ios/app/spending-tracker/id548615579/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/moneycloud-budget-tracker/id6770877286/reviews)** |
| Number of ratings | **19K** | 1 |
| Positive reviews | 94.5% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 6 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 50 MB | 50 MB |
| Requires iOS | **15.5** | 17.0 |
| Devices | **iPhone, iPad, iPod, Mac, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MH Riley Ltd](https://appshunter.io/developer/409695800) | [Pavlo Bezkorovainyi](https://appshunter.io/developer/1746469349) |

## 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


### MoneyCloud

[App page](https://appshunter.io/ios/app/moneycloud-budget-tracker/id6770877286)

This app offers a minimalist and intuitive way to track your expenses and income. Its clean design focuses on essential budgeting features, making it easy to manage your finances without overwhelming complexity.

**Highlights:** Absolute minimalism for quick expense recording, Aesthetic and clean user interface, Clear overview of money and spending, Intuitive logic, no manual needed, Effortless financial control

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

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| MoneyCloud Plus Monthly | $3.99 | per month |
| MoneyCloud PLUS Lifetime Promo | $34.99 | per year |
| MoneyCloud Plus Annual | $39.99 | per year |
| MoneyCloud PLUS Lifetime Promo | $39.99 | one-time |
| MoneyCloud Plus Lifetime | $49.99 | one-time |


## Frequently asked questions

### Is Spending Tracker free?

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

### Is MoneyCloud free?

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

### Which has better reviews, Spending Tracker or MoneyCloud?

MoneyCloud is rated higher. Spending Tracker averages 4.8 out of 5 from 19K ratings, while MoneyCloud averages 5.0 from 1 ratings.

### Do Spending Tracker or MoneyCloud have ads?

Spending Tracker shows ads; MoneyCloud does not.

### Which is updated more often, Spending Tracker or MoneyCloud?

Spending Tracker ships an update every 2 months, and MoneyCloud every 6 days. Most recently, Spending Tracker was updated on October 15, 2026 and MoneyCloud on September 30, 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.*