# Spending Tracker vs Personal Finance

The clearest difference is review sentiment: Spending Tracker at 95% against Personal Finance's 43%. Spending Tracker also leads on rating (4.8 vs 3.8) and ratings volume (19K vs 5). Personal Finance's advantage is iOS requirement (10.3 vs 15.5). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Spending Tracker sells 1 one-off in-app purchase and Personal Finance sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Spending Tracker holds the better App Store score, 4.8 against 3.8. That said, the two scores are not equally well evidenced: Spending Tracker has 19K ratings behind it against 5, 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 43% of Personal Finance's.

Spending Tracker ships an update every 2 months, Personal Finance every 6 weeks. The most recent releases landed on October 21, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Spending Tracker | Personal Finance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (19K ratings)](https://appshunter.io/ios/app/spending-tracker/id548615579/reviews)** | [3.8 (5 ratings)](https://appshunter.io/ios/app/personal-finance-tracker/id915760961/reviews) |
| Number of ratings | **19K** | 5 |
| Positive reviews | **94.5% of reviews** | 42.9% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 50 MB | 14 MB |
| Requires iOS | 15.5 | **10.3** |
| Devices | **iPhone, iPad, iPod, Mac, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MH Riley Ltd](https://appshunter.io/developer/409695800) | [margaret kovatch](https://appshunter.io/developer/1039651981) |

## 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


### Personal Finance

[App page](https://appshunter.io/ios/app/personal-finance-tracker/id915760961)

Manage your money with this app that offers budgeting tools, a currency converter, and financial note-taking capabilities. Track income and expenses, view monthly statistics, and stay organized with reminders.

**Highlights:** Budgeting tools, Income and expense tracking, Currency converter, Financial notes, Transaction filtering, Monthly statistics review, Reminders

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Full Version | $6.99 | one-time |


## Frequently asked questions

### Is Spending Tracker free?

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

### Is Personal Finance free?

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

### Which has better reviews, Spending Tracker or Personal Finance?

Spending Tracker is rated higher. Spending Tracker averages 4.8 out of 5 from 19K ratings, while Personal Finance averages 3.8 from 5 ratings.

### Do Spending Tracker or Personal Finance have ads?

Both Spending Tracker and Personal Finance show ads.

### Which is updated more often, Spending Tracker or Personal Finance?

Spending Tracker ships an update every 2 months, and Personal Finance every 6 weeks. Most recently, Spending Tracker was updated on October 21, 2026 and Personal Finance on October 14, 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.*