# Expense & Budget App vs Toki

The clearest difference is chart position: Expense & Budget App at #119 against Toki's unranked. Toki's advantage is device support (3 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Expense & Budget App sells 10 in-app purchases, starting at $3.99 per month and Toki sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Expense & Budget App ships an update weekly, Toki every 5 days. The most recent releases landed on November 12, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Expense & Budget App | Toki |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (6.3K ratings)](https://appshunter.io/ios/app/expense-and-budget-app-spendee/id635861140/reviews)** | — |
| Number of ratings | **6.3K** | — |
| Positive reviews | 52.6% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Weekly | **Every 5 days** |
| Monetization | Free with in-app purchases | — |
| Best chart rank | **#119** | — |
| Size | 112 MB | 11 MB |
| Requires iOS | 17.0 | 17 |
| Devices | iPhone | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | +4 |
| Developer | [Cleevio s.r.o.](https://appshunter.io/developer/455201242) | [VICENTE CORDUA ALLENDE IRIARTE](https://appshunter.io/developer/1866373032) |

## What reviewers say

### Expense & Budget App

[App page](https://appshunter.io/ios/app/expense-and-budget-app-spendee/id635861140)

**Currently charting:** #119 Top Grossing · Finance (US App Store)

This app helps you track spending, manage budgets, and gain financial awareness. Connect bank accounts, analyze expenses with smart insights, and optimize your savings. Features include AI receipt scanning, shared finances, and multiple currencies.

**Highlights:** Connect bank and crypto wallets, Automatic expense categorization, Budget creation and tracking, AI receipt scanner, Shared finances management, Multiple currency support, Personalized financial insights

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

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Spendee Plus account | $3.99 | per month |
| Spendee Premium – Monthly | $5.99 | per month |
| Spendee Premium – Monthly | $5.99 | per month |
| Spendee Premium - Quarterly | $6.99 | per 3 months |
| Spendee Premium account | $11.49 | per year |
| Spendee Premium account | $21.99 | per year |
| Spendee Plus account | $27.99 | per year |
| Spendee Premium account | $28.99 | per year |
| Spendee Premium account | $35.99 | per year |
| Spendee Lifetime Premium | $44.99 | one-time |

**What reviewers like**

- 💯 Excellent budgeting tool
- 👍 User-friendly interface
- 🎨 Beautiful design
- 🔍 Detailed expense tracking
- 💳 Supports multiple wallets and accounts

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- ⚠️ Unreliable bank sync
- 🕰️ Slow transaction loading
- 💰 Subscription model too restrictive
- 🤔 Confusing UI changes after updates

**Reported bugs**

- Transactions disappearing or duplicating
- Incorrect account balances and data corruption
- Syncing issues with certain banks
- Crashes when navigating app
- Categories not saving properly after updates

**Requested features**

- Ability to transfer money between wallets
- Calendar view for scheduled payments
- Savings goal tracking
- Improved recurring transaction management
- Subcategories for better expense organization


### Toki

[App page](https://appshunter.io/ios/app/toki-expense-tracker/id6757361622)

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited Pro Access | $4.99 | one-time |


## Frequently asked questions

### Is Expense & Budget App free?

Expense & Budget App is free to download, with in-app purchases available.

### Is Toki free?

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

### Do Expense & Budget App or Toki have ads?

Neither Expense & Budget App nor Toki shows ads.

### Which is updated more often, Expense & Budget App or Toki?

Expense & Budget App ships an update weekly, and Toki every 5 days. Most recently, Expense & Budget App was updated on November 12, 2026 and Toki on October 31, 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.*