Spending Tracker vs Spendio
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
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.
- 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
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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
Verdict
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
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.
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.
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.
| Parameter | Spending Tracker | Spendio |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (19K ratings) — better | 3.8 (12 ratings) |
| Positive reviews | 94.5% of reviews — better | 54.1% of reviews |
| Number of ratings | 19K — better | 12 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod, Mac, Apple Watch — better | iPhone, iPod |
| Requires iOS | 15.5 | 8.2 — better |
| Further details — not scored | ||
| Size | 50 MB | 37 MB |
| Age rating | 4+ | 4+ |
| Developer | MH Riley Ltd | Muze |
Customer experience
Spending Tracker
Spendio
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
Spending Tracker
- Pro Upgrade$2.99
Spendio
- Unlock Full Version$1.99









