Comparison

Spending Tracker vs Spendio

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

Spendio

Effortlessly manage your finances with this intuitive spending tracker. Input expenses and income directly from your Apple Watch using voice commands, or organize transactions into custom wallets. Set financial goals and visualize your progress with elegant charts.

Highlights
  • iPhone & Apple Watch compatibility
  • Voice input for transactions
  • Create financial goals
  • Separate transactions with wallets
  • Receipt photo capture
  • Elegant charts and reports
  • Recurring transaction setup
Features
Read full description

Spendio is a simple way to track and manage your money. This is the first app that let you track your money on both iPhone and Apple Watch. Never miss any expense or income by input the data right from your wrist. The data will be synced back and forth to your iPhone, no need to bring it out from your pocket! Create Goal and top-up money to your goal every day, week or month to make your dream come true. Add input by voice via Apple Watch! Spendio will understands what you say. Just tell what's your spending and amount, for example, "Pay 399 dollars for Apple Watch", "Receive salary for 10,000" or "14 dollars for lunch". Spendio will add those transactions for you. No need to type! Create Wallet to separate your transactions. For example, when you travel aboard, you can create wallet named "Travel Aboard". Income or expense that add to this wallet won't interfere other wallets. Features: • Work perfectly on both iPhone & Apple Watch. • Create your Goal. • Add input using your voice. • Create Wallets to separate transactions. • Transfer money between wallets • Take a photo of your receipt. Never lost it! • Elegance Chart & Report. • Compare income or expense • Add custom category with tons of icon. • Set repeat of transaction, like salary or pay debt, for instance. • 17 different currency symbol. • Navigate to next or previous month very easy just swipe • Backup & Restore Data via iCloud • Passcode • Auto update currecy transfer rate

Screenshots

Spending Tracker4 screens
Spendio4 screens

Verdict

The call

The clearest difference is rating: Spending Tracker at 4.8 against Spendio's 3.8. Spending Tracker also leads on review sentiment (95% vs 54%) and ratings volume (19K vs 12). Spendio's advantage is ads (none vs shown) and update cadence (every 3 weeks vs every 2 months). On price, 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 Spendio sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

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 12, 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 54% of Spendio's.

UpkeepUpdate frequency

Spending Tracker ships an update every 2 months, Spendio every 3 weeks. The most recent releases landed on October 30, 2026 and October 24, 2026 respectively.

Scorecard7 real differences · 3 level
Spending Tracker versus Spendio: the parameters behind the verdict, then further details
ParameterSpending TrackerSpendio
PriceFreeFree
Rating4.8 (19K ratings) — better3.8 (12 ratings)
Positive reviews94.5% of reviews — better54.1% of reviews
Number of ratings19K — better12
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod, Mac, Apple Watch — betteriPhone, iPod
Requires iOS15.58.2 — better
Further details — not scored
Size50 MB37 MB
Age rating4+4+
DeveloperMH Riley LtdMuze

Customer experience

Spending Tracker

All ratings19,361 ratings
Positive96.7%
Neutral1.9%
Negative1.4%
Written reviews2,950 reviews
Positive94.5%
Neutral2.5%
Negative2.9%

Spendio

All ratings12 ratings
Positive66.7%
Neutral16.7%
Negative16.7%
Written reviews37 reviews
Positive54.1%
Neutral13.5%
Negative32.4%

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

Spendio

Not enough reviews yet to summarise bugs or requests.

In-app purchases

1 purchases

Spending Tracker

One-time1
  • Pro Upgrade$2.99
1 purchases

Spendio

One-time1
  • Unlock Full Version$1.99

Questions

Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Is Spendio free?
Spendio is free to download, with in-app purchases available.
Which has better reviews, Spending Tracker or Spendio?
Spending Tracker is rated higher. Spending Tracker averages 4.8 out of 5 from 19K ratings, while Spendio averages 3.8 from 12 ratings.
Do Spending Tracker or Spendio have ads?
Spending Tracker shows ads; Spendio does not.
Which is updated more often, Spending Tracker or Spendio?
Spending Tracker ships an update every 2 months, and Spendio every 3 weeks. Most recently, Spending Tracker was updated on October 30, 2026 and Spendio on October 24, 2026.

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