Monny vs SmileBudget
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Monny
This app helps you take control of your finances through a gamified experience. It makes tracking expenses simple, builds healthier financial habits, and visualizes your progress towards your goals with motivating challenges and clear reports.
- Frictionless expense tracking
- Gamified money challenges
- Clear analytical reports
- Multiple account books
- Home screen widgets
- Data backup and export
- Daily notification reminders
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[ TAKE BACK CONTROL OF YOUR MONEY ] Take control of your finances and make your dreams come true with Monny! We help you build the skills needed to manage your personal finance and make progress feel motivating. === HOW MONNY HELPS YOU === We believe managing money shouldn't just be about looking at the past—it should be about feeling satisfied as you do the right things for your future. • See the big picture: Understand exactly where your money goes. • Plan intentionally: Move beyond tracking and build healthier habits. • See your progress: Stay motivated and watch your goals become reality! === CORE FEATURES === • Simple & Fast: Make expense tracking easy and frictionless. • Gamified Challenges: Build your "money brain" and get rewarded! • Clear Vision: Friendly analytical reports, pie charts, and top rankings. • Multiple Account Books: Manage cash, credit cards, or travel budgets. • Home Screen Widgets: Quick input and monthly overview right on your screen. • Backup & Export: Google Drive, Dropbox, Email, and Excel (xls) export. • Daily Alerts: Friendly notification reminders so you never miss a beat. • Privacy Protection: Passcode lock to keep your financial data secure. [ MONNY PREMIUM ] A one-time purchase for lifetime access! Upgrade to Premium for unlimited access to advanced analytical power: • Top 10 Expenses Ranking Chart • Monthly Category Expenses Ranking Chart • Annual Trend Charts • Passcode lock [ MONNY FREE ] Enjoy tracking your finances without paying anything! • Unlimited entries for income and expenses • Challenge theme park to keep your budget under control • Unlimited account books • Basic Reports (sorted by Date, Category, and Amount) [ CONTACT US ] Email: monnyapp@gmail.com Facebook: Search "Monny"
SmileBudget
This app offers a private and intuitive way to track expenses, plan budgets, and manage your finances. It helps you understand spending patterns, monitor assets, and grow your net worth with features like AI voice entry and customizable ledgers. Enjoy a clean design and secure iCloud sync without ads or accounts.
- Fast expense tracking
- Budget planning
- Asset & net worth tracker
- AI voice entry
- Multiple ledgers
- Spending reports & insights
- Private iCloud sync
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SmileBudget — a private, beautifully designed budgeting app that helps you track expenses, plan budgets, manage your money, and grow your net worth. Whether you're budgeting for everyday life, saving for a goal, or managing your family's finances, SmileBudget makes money management simple, mindful, and enjoyable. No ads. No accounts. No tracking. 「KEY FEATURES」 • Fast Expense Tracking Record expenses and income in seconds. Quick, simple, and designed for everyday use. • Budget Planning Create monthly budgets, track your spending, and stay in control before you overspend. See exactly where your money goes every month. • Asset & Net Worth Tracker Manage cash, bank accounts, credit cards, investments, and other assets in one place. Watch your net worth grow over time. • Recurring Bills Automatically record recurring expenses like rent, subscriptions, insurance, utilities, and more. Never miss a payment again. • AI Voice Entry Simply describe your transaction. SmileBudget automatically turns your voice into organized expense records. • Multiple Ledgers Create separate ledgers for personal finances, family budgets, travel, work, or any project. Keep every part of your financial life organized. • Spending Reports & Insights Discover spending patterns with beautiful charts and category analysis. Make smarter financial decisions with clear insights. • Private iCloud Sync Sync your data securely across your iPhone and iPad using iCloud. No account required. Your financial data stays yours. • Home Screen Widgets Add transactions instantly and view your financial overview right from your Home Screen. • Beautiful by Design Enjoy a clean, minimalist interface with thoughtfully crafted themes and delightful details. Budgeting should feel calm—not complicated. Why SmileBudget? Managing money doesn't have to be stressful. SmileBudget helps you build healthier financial habits, understand where your money goes, and make confident spending decisions every day. Track smarter. Spend mindfully. Grow steadily.
Screenshots
Verdict
The clearest difference is update cadence: SmileBudget at every 3 days against Monny's every 6 weeks. Monny's advantage is ratings volume (371 vs 9) and iOS requirement (13.0 vs 16.0). On price, rating, review sentiment and ads 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. Monny sells 1 one-off in-app purchase and SmileBudget sells 2 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 4.9 for Monny against 5.0 for SmileBudget. That said, the two scores are not equally well evidenced: Monny has 371 ratings behind it against 9, so its average is the more settled of the two. Written reviews are what separate them: 87% of Monny's written reviews are positive against 93% of SmileBudget's.
Monny ships an update every 6 weeks, SmileBudget every 3 days. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | Monny | SmileBudget |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (371 ratings) | 5.0 (9 ratings) — better |
| Positive reviews | 87.0% of reviews | 92.6% of reviews — better |
| Number of ratings | 371 — better | 9 |
| Update frequency | Every 6 weeks | Every 3 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 80 MB | 126 MB |
| Age rating | 4+ | 4+ |
| Developer | Greamer | Koniio Co., Ltd. |
Customer experience
Monny
SmileBudget
Bugs and requests
Monny
Reported bugs
15 issues- Widget stopped working after iOS 18 update
- E-invoice integration not syncing properly
- E-invoice details showing as blank
- App crashes on iOS 16 and later
- Black screen appears after searching entries
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- Duplicate entries when editing recurring transactions
- Category disappears from frequent list
- Photo upload pending indefinitely
- Settings font size not adjustable
- Description categories not displaying in expense entry
- App freezes when selecting photos
- Data missing after app update
- Inconsistency between home page and report totals
- Unable to add photos in some cases
- Calculator input mode toggle not working properly
Requested features
19 requests- Dark mode implementation
- Category-level budget control
- Transfer money between accounts
- Payment method tracking (cash/credit card/debit)
- Apple Watch compatibility
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- Apple Automation integration for auto-tracking
- Shared account functionality for couples
- Vertical scrolling for description history
- Sub-categories for detailed expense breakdown
- Batch data deletion by month
- Real-time multi-device synchronization
- Daily expense/income report view
- Account balance display on home screen
- Recurring expense customization per account
- Keyword search in description history
- iPad-optimized interface
- Multiple theme/color options
- Investment tracking segment
- Savings goal tracking
SmileBudget
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Monny
- Monny Premium$2.99
SmileBudget
- Annual$9.99
- Lifetime$14.99









