# iSpending HD vs Budget With Chippy

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.

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.

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.

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.

## The numbers

| Metric | iSpending HD | Budget With Chippy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (14 ratings)](https://appshunter.io/ios/app/ispending-hd/id587654268/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/budget-with-chippy/id1671697891/reviews)** |
| Number of ratings | **14** | 6 |
| Positive reviews | 57.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 16 months | **Monthly** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 14 MB | 31 MB |
| Requires iOS | **8.0** | 12.0 |
| Devices | iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Hana Mobile](https://appshunter.io/developer/306576922) | [Brent Koivisto](https://appshunter.io/developer/1671697893) |

## What reviewers say

### iSpending HD

[App page](https://appshunter.io/ios/app/ispending-hd/id587654268)

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:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| iSpendingHD Pro | $19.99 | one-time |


### Budget With Chippy

[App page](https://appshunter.io/ios/app/budget-with-chippy/id1671697891)

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:** macOS Compatibility, Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $3.99 | per month |
| Yearly | $9.99 | per year |
| Lifetime | $99.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*