Comparison

Spendy vs Saving Diary

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

Head to head
About

Spendy

A simple and shared budget app designed for quick expense entry and tracking. It allows users to record spending, manage budgets together with others, and even log moments with notes and tags.

Highlights
  • iCloud Shared Budget
  • Quick Expense Entry
  • Budget as a Diary
  • Tag Management
  • Calendar & Reminders Integration
  • Automation Support
Features
Read full description

The fastest way to log — and share — your spending. Spendy, the minimal budget app. Open the app and you are already on the entry screen. Even without an amount, a tag and a one-line note become your diary for the day. If complex budget apps wore you out, Spendy makes recording a habit. Recommended For - Those who quit budget apps because they felt too complicated - Couples, families, and friends who want to track expenses together - People who want to record both their spending and their feelings Key Features Recording - Quick entry first: start typing the moment you open the app. - Budget as a diary: capture moments with just tags and notes — no amount needed. - Tag management: understand your spending patterns at a glance. - Attach photos and scan documents to keep receipts together. Sharing & Sync - iCloud shared budget: record and manage expenses in real time with your partner, family, or friends. - Automatic sync across all your Apple devices — iPhone, iPad, and Mac. Views & Insights - Timeline and calendar views: browse your history the way you like. - Smart lists: automatically group expenses by the conditions you set. - Calendar & Reminders integration: see your schedule and spending in one timeline. Automation - Automatically register Apple Pay and SMS transactions. - Build your own entry flows with Shortcuts support. Widgets - Home Screen and Lock Screen widgets show today's spending at a glance. - Widget quick actions: memo, search, take a photo, scan a document. Privacy - Your ledger is stored in your own iCloud, not on our servers. Some features are part of Spendy Premium, a one-time purchase you keep forever. Start your habit of recording both money and moments with Spendy today. Terms of Use: https://onessa.app/spendy/terms/ Privacy Policy: https://onessa.app/spendy/privacy/

About

Saving Diary

Manage your finances effortlessly by tracking expenses, setting savings goals, and creating budgets. This app helps you monitor debts, organize money across multiple wallets, and gain insights into spending habits with detailed reports. It offers offline functionality and data export for complete financial control.

Highlights
  • Track expenses and income
  • Set and monitor savings goals
  • Manage debt repayment
  • Organize finances with multi-wallet support
  • Create budgets and view reports
  • Export and import financial data
  • Offline mode for data security
Features
Read full description

Saving Diary: Expense Tracker & Budget Take control of your money with Saving Diary, the ultimate finance app for managing expenses, saving goals, and budgeting. Whether you're saving for a dream vacation, paying off loans, or just want to know where your paycheck goes, Saving Diary makes it simple and fun. Key Features: * Track Expenses & Income: - Log daily transactions in seconds – from coffee runs to rent payments. - Categorize spending to see exactly where your money goes. * Savings Goals: - Set goals (e.g., a new laptop, emergency fund) and track your progress. - Stay motivated with visual progress bars and reminders. * Debt Tracker: - Track what you owe and what others owe you. - Make partial payments and see your balances shrink over time. * Multi-Wallet Support: - Organize your money with multiple wallets (e.g., Cash, Bank, E-Wallet). - View your Active Balance (spendable money) and Total Wealth (net worth). - Archive unused wallets to keep things tidy. - Exclude specific wallets from stats when needed. * Budgeting & Reports: - Create monthly budgets and avoid overspending. - Get detailed reports on spending patterns, income trends, and savings progress. * Labels - Group multiple categories under one label (e.g., Travel, Projects) - Easy to track all spending related to the same event - View label summaries for better insights * Export & Import - Export your data anytime (CSV & Excel format) - Import past records or move from another app - Keep full control of your financial history * Offline Mode: - Use the app without an internet connection – your data stays secure on your device. * Customizable Categories: - Personalize expense categories with vibrant icons and colors. * Language Support: - Use the app in many languages for a more comfortable experience. Why Choose Saving Diary? • Simple & Clean Design: Easy to use, even if you’re new to budgeting. • All-in-One Solution: Combines expense tracking, saving goals, debt management, and budgeting in one app. • Secure & Private: Your financial data is safe and never shared with third parties. Download Now and Take Control of Your Money! Ready to simplify your finances? Download Saving Diary today and start your journey to financial freedom. Terms of Use: https://www.savingdiary.com/terms-of-service/ Privacy Policy: https://www.savingdiary.com/privacy/ Support: hello@savingdiary.com

Screenshots

Spendy4 screens
Saving Diary4 screens

Verdict

The call

The clearest difference is rating: Spendy at 5.0 against Saving Diary's 4.0. Spendy also leads on ads (none vs shown) and update cadence (every 4 days vs monthly). Saving Diary's advantage is iOS requirement (15.1 vs 26.0). On price, ratings volume, in-app purchases and monetization model 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. Spendy sells 3 in-app purchases, starting at $1.99 per month and Saving Diary sells 2 in-app purchases, starting at $1.49 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Spendy holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 6 and 3 respectively.

UpkeepUpdate frequency

Spendy ships an update every 4 days, Saving Diary monthly. Both last shipped on November 3, 2026.

Scorecard4 real differences · 6 level
Spendy versus Saving Diary: the parameters behind the verdict, then further details
ParameterSpendySaving Diary
PriceFreeFree
Rating5.0 (6 ratings) — better4.0 (3 ratings)
Positive reviews96.3% of reviews—
Number of ratings6 — better3
Update frequencyEvery 4 days — betterMonthly
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad, MaciPhone, iPad, iPod
Requires iOS26.015.1 — better
Further details — not scored
Size56 MB55 MB
Age rating4+4+
Developerdasol kimPT Reksa Karya Digital

Customer experience

Spendy

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews27 reviews
Positive96.3%
Neutral3.7%
Negative0.0%

Saving Diary

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

3 purchases

Spendy

Subscriptions2
  • Day Money Premium Monthly Plan7 Days trial$1.991 Month
  • Day Money Premium Yearly Plan$9.991 Year
One-time1
  • Day Money Premium Lifetime$19.99
2 purchases

Saving Diary

Subscriptions2
  • Monthly Plan$1.491 Month
  • Annual Plan$9.901 Year

Questions

Is Spendy free?
Spendy is free to download, with in-app purchases available.
Is Saving Diary free?
Saving Diary is free to download, with in-app purchases available.
Which has better reviews, Spendy or Saving Diary?
Spendy is rated higher. Spendy averages 5.0 out of 5 from 6 ratings, while Saving Diary averages 4.0 from 3 ratings.
Do Spendy or Saving Diary have ads?
Saving Diary shows ads; Spendy does not.
Which is updated more often, Spendy or Saving Diary?
Spendy ships an update every 4 days, and Saving Diary monthly. Most recently, Spendy was updated on November 3, 2026 and Saving Diary on November 3, 2026.

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