Comparison

Spend Wisely vs SimpliBudget

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

Head to head
About

Spend Wisely

Features
Read full description

Know exactly how much you can spend today. Spend Wisely is a simple expense tracker, budget planner and money manager that turns your income, bills and budgets into one clear number: what's safe to spend today. Track spending in seconds, see where your money goes, and stay on top of every bill. No account, no sign-up, no ads, and your data never leaves your iPhone. YOUR DAILY BUDGET, DONE FOR YOU • A daily safe-to-spend amount that updates every time you log an expense • "Can I afford this?" Type any price and see instantly if it fits today's budget • Daily streaks and an evening check-in help you build a money habit that sticks FAST EXPENSE TRACKING • Add an expense in a couple of taps with a big, clear amount entry • Smart categories pick themselves and learn from the choices you make • Quick Add buttons for your everyday coffee, lunch or travel • Repeat a recent expense with one tap • Voice input: just say what you spent • Share or paste a bank SMS to fill in the amount and payee for you • Split one purchase across several categories • Add notes and tags to anything you want to track SMARTER SEARCH • Search by name, note, category, account or amount • Type the way you talk: "groceries last month", "over 500", "income march" • Small typos still find what you meant SPENDING INSIGHTS AND REPORTS • Spending by category for any day, week, month or year • Tap a category to see every transaction behind it • Spending trends compared with the same days of the last period • Calendar view, tag reports and monthly spending reports • Cash flow forecast for the next 30, 60 and 90 days • Net worth across all your accounts BUDGET PLANNER • Set a monthly budget for each category and see what's left • Start fast with ready-made budget templates • Budget alerts before you overspend BILL REMINDERS AND SUBSCRIPTION TRACKER • Recurring bills, subscriptions and income added automatically • See what's due this week right on your home screen • Bill reminders so you never pay a late fee again ALL YOUR ACCOUNTS IN ONE PLACE • Track bank accounts, cash, credit cards and wallets together • Balance and full history for every account, transfers included • Update a balance to match your bank in seconds • Archive old accounts and keep their history SAVINGS GOALS AND DEBT TRACKER • Savings goals with progress you can see • Track debts and credits: who owes whom, and every payment • Debt payoff planner to become debt-free faster • Wishlist for the things you're saving up for PRIVATE, OFFLINE PERSONAL FINANCE • Your financial data stays on your device. We don't collect any of it • Works offline. No bank login, no account, no sign-up • Lock the app with Face ID, Touch ID or your passcode • No ads and no tracking MADE FOR YOU • Works with any currency, with exchange rates for travel • Available in English, Hindi, Marathi, Gujarati, Kannada, Spanish and French • Light and dark mode with your choice of accent colour Whether you're making your first budget, saving for a goal or paying off debt, Spend Wisely makes managing money simple. Download now and see what you can spend today.

About

SimpliBudget

Effortlessly track expenses, set budgets, and understand your spending habits. This app prioritizes simplicity and privacy, keeping your financial data offline and secure on your device.

Highlights
  • Expense tracking
  • Budget setting
  • Spending analysis
  • Offline functionality
  • Data privacy
  • CSV export (Pro)
  • Backup and restore (Pro)
Read full description

Track every expense in seconds. No account, no cloud, no ads. Your data stays on your device. SimpliBudget is the budget app for people who don't want a budget app. Open it, type the amount, tap a category, done. FAST TRACKING Log an expense the moment it happens. Big number pad, one tap per category, nothing in your way. SEE WHERE YOUR MONEY GOES Set a monthly budget and watch the progress bar fill up. The dashboard chart shows your top categories, and the monthly overview lists every expense. 100% PRIVATE No sign-up, no syncing, no tracking. Your financial data never leaves your phone. GO PRO • Unlimited categories • Export to CSV • Back up and restore to any location you choose Simple budgeting, finally. Download SimpliBudget. Terms of Use: https://www.apple.com/legal/internet-services/itunes/ Privacy Policy: https://simpli-budget.com/pages/privacy.html

Screenshots

Spend Wisely3 screens
SimpliBudget3 screens

Verdict

The call

The clearest difference is in-app purchases: Spend Wisely at none against SimpliBudget's 2. Spend Wisely also leads on update cadence (every 3 weeks vs every 4 months). On price, ads, device support and iOS requirement 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. SimpliBudget sells 2 in-app purchases, starting at $2.99 per year. Spend Wisely asks for nothing beyond the download.

UpkeepUpdate frequency

Spend Wisely ships an update every 3 weeks, SimpliBudget every 4 months. The most recent releases landed on November 12, 2026 and November 4, 2026 respectively.

Scorecard2 real differences · 6 level
Spend Wisely versus SimpliBudget: the parameters behind the verdict, then further details
ParameterSpend WiselySimpliBudget
PriceFreeFree
Positive reviews—100.0% of reviews
Update frequencyEvery 3 weeks — betterEvery 4 months
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Freemium
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.515.0 — better
Further details — not scored
Size38 MB33 MB
Age rating4+4+
DeveloperForem SoftwareJan Ole Wellnitz

In-app purchases

None

Spend Wisely

No in-app purchases

2 purchases

SimpliBudget

Subscriptions1
  • Subscription (Annual)7 Days trial$2.991 Year
One-time1
  • Lifetime$4.99

Questions

Is Spend Wisely free?
Spend Wisely is free to download, with no in-app purchases.
Is SimpliBudget free?
SimpliBudget is free to download, with in-app purchases available.
Do Spend Wisely or SimpliBudget have ads?
Neither Spend Wisely nor SimpliBudget shows ads.
Which is updated more often, Spend Wisely or SimpliBudget?
Spend Wisely ships an update every 3 weeks, and SimpliBudget every 4 months. Most recently, Spend Wisely was updated on November 12, 2026 and SimpliBudget on November 4, 2026.

Other comparisons