# Track Spending vs Quartzo

The clearest difference is rating: Track Spending at 4.8 against Quartzo's 4.3. Track Spending also leads on ratings volume (3K vs 4) and iOS requirement (13.0 vs 18.5). On price, review sentiment, update cadence and ads there is nothing between them.

Both are free to download. Track Spending sells 8 in-app purchases, starting at $4.99 per month and Quartzo sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Track Spending holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: Track Spending has 3K ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 74% of Track Spending's written reviews are positive against 67% of Quartzo's.

Track Spending ships an update every 11 days, Quartzo weekly. The most recent releases landed on October 20, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Track Spending | Quartzo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (3K ratings)](https://appshunter.io/ios/app/track-spending-wise-budget/id6444917344/reviews)** | [4.3 (4 ratings)](https://appshunter.io/ios/app/quartzo-bill-organizer/id6446209514/reviews) |
| Number of ratings | **3K** | 4 |
| Positive reviews | **74.4% of reviews** | 66.7% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 11 days | **Weekly** |
| Monetization | Freemium | Freemium |
| Size | 100 MB | 43 MB |
| Requires iOS | **13.0** | 18.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 9+ | 17+ |
| Developer | [Marwan Ghafoor](https://appshunter.io/developer/1575737942) | [Rafael Ramos](https://appshunter.io/developer/1654347075) |

## What reviewers say

### Track Spending

[App page](https://appshunter.io/ios/app/track-spending-wise-budget/id6444917344)

Manage your income and expenses with this app. Track spending, customize budget categories, and analyze your financial habits with real-time monitoring and visual reports. Secure your data with biometric authentication and cloud backups.

**Highlights:** Expense tracking, Budget management, Customizable categories, Real-time income/expense monitoring, Spending analysis, Biometric authentication, Google Drive backup, Multi-currency accounts

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

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Wise Budget Monthly Plan | $4.99 | per month |
| Remove Ads | $9.99 | per year |
| 3 Month Subscription | $14.99 | per 3 months |
| Wise Budget Six Month | $24.99 | per 6 months |
| Yearly Discounted Price | $29.99 | per year |
| Wise Budget Yearly Plan | $29.99 | per year |
| Life Time Offer | $149.00 | one-time |
| Lifetime Offer | $149.99 | one-time |

**What reviewers like**

- 🌟 Excellent app
- 👍 Easy to use
- 💰 Helpful for managing finances
- 🇰🇷 Available in multiple languages

**What reviewers complain about**

- 🐛 404 error when switching to dark mode
- 💰 Exporting reports is premium feature

**Reported bugs**

- Color issues on iPhone
- Crashes after latest update

**Requested features**

- Add more currency options
- Separate debt tracking feature
- Integrate with other financial apps


### Quartzo

[App page](https://appshunter.io/ios/app/quartzo-bill-organizer/id6446209514)

Manage your finances with this intuitive app. Track expenses, organize accounts, and set up recurring payments. Customizable notifications and iCloud backup ensure you stay in control of your money.

**Highlights:** Multiple wallets for account organization, Expense categorization, Automated recurring transaction recording, Customizable expense notifications, iCloud backup for data security, Home screen widgets for quick viewing and addition, Apple Pay transaction recognition integration

**Features:** Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Quartzo Pro: Monthly | $3.99 | per month |
| Quartzo Pro: Annually | $14.99 | per year |
| Quartzo Pro: Lifetime | $19.99 | one-time |


## Frequently asked questions

### Is Track Spending free?

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

### Is Quartzo free?

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

### Which has better reviews, Track Spending or Quartzo?

Track Spending is rated higher. Track Spending averages 4.8 out of 5 from 3K ratings, while Quartzo averages 4.3 from 4 ratings.

### Do Track Spending or Quartzo have ads?

Neither Track Spending nor Quartzo shows ads.

### Which is updated more often, Track Spending or Quartzo?

Track Spending ships an update every 11 days, and Quartzo weekly. Most recently, Track Spending was updated on October 20, 2026 and Quartzo on October 19, 2026.

---

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