Comparison

iSpending HD vs Budget With Chippy

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

iSpending HD

This personal finance app helps you track income and expenses with customizable categories. View instant summaries, detailed graph reports, and search transactions easily. Secure your data with a passcode lock and export your records.

Highlights
  • Track income and expenses
  • Customizable spending categories
  • Instant daily, weekly, monthly, yearly summaries
  • Detailed graph reports
  • Transaction search
  • Passcode lock
  • Export transactions via email
Features
Read full description

If you are looking for the best personal finance application, this is the app for you and it's free! iSpending HD helps you to track your income and spendings. You can add transactions under different categories, such as income, food, entertainment. Summaries for today/week/month/year are displayed right at home page. You can view detailed report for each month in beautiful graphs and find transaction easily through search. Try it yourself to see more features, you'll love it! Features: - Add income/expense transactions under different category - Add customize spending category name - Add transactions quickly - Instant summary for today/week/month/year - Passcode lock - Export through email - View history records and compare them - Graph report for 1, 3 or 6 months time period - Separate graph report for income or expense alone - Search for transaction by name, amount, note or any of them - Polished UI, easy to use Send your comments/suggestions to hanamobiles@gmail.com or visit our website.

About

Budget With Chippy

This app offers a simplified cash-based budgeting system. It helps users organize discretionary income into 'stashes' for various financial goals like savings or debt repayment, with weekly insights and automated transfers.

Highlights
  • Stash-based budgeting
  • Hassle-free setup
  • Smart spending guidance
  • Weekly balance insights
  • Automated weekly transfers
  • No tedious expense tracking
Features
Read full description

Revolutionize your budgeting experience with Chippy, the innovative cash-based budget planning app designed for simplicity and intentionality. Unlike traditional budgeting apps, Chippy empowers you to take control of your finances without the hassle of tracking income and expenses. Key Features: * Stash-Based Budgeting: Organize your discretionary income effortlessly by creating dedicated "stashes" for your financial goals, whether it's savings, spending, investing, or tackling debt. * Hassle-Free Setup: Simply designate a separate account or bucket for each stash, and set up automatic weekly transfers from your main checking account using your bank's app or website. * Smart Spending: Chippy encourages intentional spending by reserving your main checking account for essential and committed expenses. For everything else, use the allocated stash, ensuring you stay on budget without the need for constant tracking. * Weekly Insights: Stay in the loop with Chippy's intelligent analysis of your weekly balance trends. Receive personalized advice on your stash transfers – whether they're too high, too low, or just right. Adjust your budget effortlessly to meet your financial goals. How Chippy Stands Out: - No Tedious Tracking: Say goodbye to the tedious task of tracking every single expense and income. Chippy's innovative approach lets you focus on your financial goals without the unnecessary details. - Cash-Based Simplicity: Embrace a cash-based mindset without the need for a written budget. Make purchasing decisions based on available cash or bank account balances, putting you in control of your spending. - Essential Spending Priority: Chippy prioritizes your essential spending by analyzing trends and ensuring sufficient cash is available in your main checking account to cover committed expenses. - Time-Efficient: Spend just a few minutes each week with Chippy. Start fresh with last week's budget and make adjustments only when necessary, allowing you to reclaim your time and stay financially savvy. - Frequent Feedback Loop: Stay connected to your budget with Chippy's seamless weekly check-ins. Get real-time insights, make informed decisions, and keep your financial goals on track. Thank you for choosing Chippy – where budgeting meets simplicity, intentionality, and success! Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://budgetwithchippy.com/privacy.html

Screenshots

Budget With Chippy4 screens

Verdict

The call

The clearest difference is rating: Budget With Chippy at 5.0 against iSpending HD's 3.6. Budget With Chippy also leads on review sentiment (100% vs 58%) and update cadence (monthly vs every 16 months). iSpending HD's advantage is iOS requirement (8.0 vs 12.0). On price, ratings volume, ads and in-app purchases 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. iSpending HD sells 1 one-off in-app purchase and Budget With Chippy sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Budget With Chippy holds the better App Store score, 5.0 against 3.6. Both are backed by a comparable volume of ratings — 14 and 6 respectively. Written reviews point the same way: 58% of iSpending HD's written reviews are positive against 100% of Budget With Chippy's.

UpkeepUpdate frequency

iSpending HD ships an update every 16 months, Budget With Chippy monthly. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

Scorecard5 real differences · 5 level
iSpending HD versus Budget With Chippy: the parameters behind the verdict, then further details
ParameteriSpending HDBudget With Chippy
PriceFreeFree
Rating3.6 (14 ratings)5.0 (6 ratings) — better
Positive reviews57.7% of reviews100.0% of reviews — better
Number of ratings14 — better6
Update frequencyEvery 16 monthsMonthly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPadiPhone, iPad, iPod — better
Requires iOS8.0 — better12.0
Further details — not scored
Size14 MB31 MB
Age rating4+4+
DeveloperHana MobileBrent Koivisto

Customer experience

iSpending HD

All ratings14 ratings
Positive64.3%
Neutral7.1%
Negative28.6%
Written reviews26 reviews
Positive57.7%
Neutral19.2%
Negative23.1%

Budget With Chippy

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

iSpending HD

One-time1
  • iSpendingHD Pro$19.99
3 purchases

Budget With Chippy

Subscriptions2
  • Monthly$3.991 Month
  • Yearly$9.991 Year
One-time1
  • Lifetime$99.99

Questions

Is iSpending HD free?
iSpending HD is free to download, with in-app purchases available.
Is Budget With Chippy free?
Budget With Chippy is free to download, with in-app purchases available.
Which has better reviews, iSpending HD or Budget With Chippy?
Budget With Chippy is rated higher. iSpending HD averages 3.6 out of 5 from 14 ratings, while Budget With Chippy averages 5.0 from 6 ratings.
Do iSpending HD or Budget With Chippy have ads?
Neither iSpending HD nor Budget With Chippy shows ads.
Which is updated more often, iSpending HD or Budget With Chippy?
iSpending HD ships an update every 16 months, and Budget With Chippy monthly. Most recently, iSpending HD was updated on November 6, 2026 and Budget With Chippy on November 3, 2026.

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