# Monny vs SmileBudget

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.

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.

## The numbers

| Metric | Monny | SmileBudget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (371 ratings)](https://appshunter.io/ios/app/monny/id590327036/reviews) | **[5.0 (9 ratings)](https://appshunter.io/ios/app/smilebudget-spending-tracker/id6447756224/reviews)** |
| Number of ratings | **371** | 9 |
| Positive reviews | 87.0% of reviews | **92.6% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 days** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 80 MB | 126 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Greamer](https://appshunter.io/developer/519562660) | [Koniio Co., Ltd.](https://appshunter.io/developer/779303271) |

## What reviewers say

### Monny

[App page](https://appshunter.io/ios/app/monny/id590327036)

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.

**Highlights:** Frictionless expense tracking, Gamified money challenges, Clear analytical reports, Multiple account books, Home screen widgets, Data backup and export, Daily notification reminders

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monny Premium | $2.99 | one-time |

**What reviewers like**

- 👍 Simple and intuitive user interface
- 🎨 Cute and attractive design
- 💰 One-time premium purchase (no subscription)
- 📊 Comprehensive expense tracking and reporting
- 🌍 Multiple currency support

**What reviewers complain about**

- 🐛 Widget functionality broken on iOS 18
- 🔌 E-invoice integration issues and delays
- 📉 Recent UI redesign less user-friendly
- ❌ Limited free version features
- 🔄 No real-time sync across devices

**Reported bugs**

- 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

**Requested features**

- Dark mode implementation
- Category-level budget control
- Transfer money between accounts
- Payment method tracking (cash/credit card/debit)
- Apple Watch compatibility


### SmileBudget

[App page](https://appshunter.io/ios/app/smilebudget-spending-tracker/id6447756224)

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.

**Highlights:** Fast expense tracking, Budget planning, Asset & net worth tracker, AI voice entry, Multiple ledgers, Spending reports & insights, Private iCloud sync

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Annual | $9.99 | one-time |
| Lifetime | $14.99 | one-time |


## Frequently asked questions

### Is Monny free?

Monny is free to download, with in-app purchases available.

### Is SmileBudget free?

SmileBudget is free to download, with in-app purchases available.

### Which has better reviews, Monny or SmileBudget?

SmileBudget is rated higher. Monny averages 4.9 out of 5 from 371 ratings, while SmileBudget averages 5.0 from 9 ratings.

### Do Monny or SmileBudget have ads?

Neither Monny nor SmileBudget shows ads.

### Which is updated more often, Monny or SmileBudget?

Monny ships an update every 6 weeks, and SmileBudget every 3 days. Most recently, Monny was updated on November 1, 2026 and SmileBudget 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.*