Comparison

SpendMaster vs ihave

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

Head to head
About

SpendMaster

Effortlessly manage your finances by importing expenses from CSVs or images, adding new transactions manually, and tracking investments. Gain financial insights with filtering, bar charts, and comparisons to previous months.

Highlights
  • Import expenses from CSV
  • Add expenses from images
  • Manual expense entry
  • Stocks and investment tracking
  • Expense filtering and bar chart view
  • Search, update, and delete expenses
Features
Read full description

Welcome to the SpendMaster App, your all-in-one solution for effortless expense management. With a comprehensive range of features, our app helps you stay organized, gain financial insights, and take control of your spending habits. Key Features: Import Expenses from CSV: Seamlessly import your expenses from CSV files, making it effortless to migrate your data with our CSV file support. Our app takes care of validating and processing the data, ensuring accuracy and integrity throughout the import process. Experience the convenience and efficiency of migrating your expense data effortlessly with our CSV import feature. Say goodbye to manual data entry and embrace the power of streamlined migration, saving you time and effort while ensuring the seamless continuity of your financial records. Begin your journey towards effortless expense management today. Add Expenses from Images: Streamline your expense entry process by adding expenses directly from images. Simply select the photo button, select image having transactions details like date, remark & amount, and our app will process the image to extract relevant details. Verify and modify the information before adding it to your expense records. Ensure each expense has the correct type and subcategory for accurate categorization. It's a time-saving feature that simplifies the expense entry process. Add New Expenses: Creating expense records is a breeze with our intuitive interface. Tap the plus button on the home screen to enter the amount, select a subcategory, and choose the date. Specify income or expense types, enabling detailed financial tracking. Save the entry, and you're done! Start your experience today and unlock the power of seamless expense recording, ensuring accurate and comprehensive financial management. Stocks & Investment Tracking: Easily add and manage your investments along with daily expenses. View category-wise breakdowns and charts to understand how your money grows. Expense Filtering and Bar Chart View: Effortlessly filter your expenses based on type and date range. Apply your chosen filters to view a refined expense list. Additionally, our interactive bar chart provides visual summaries of monthly expenses by subcategory. Scroll horizontally to navigate through the chart and tap any subcategory for a detailed breakdown of transactions. Gain valuable insights into your spending patterns and make informed financial decisions. Furthermore, our app offers a valuable feature within the bar chart view that compares your current expenses with the previous month. Search, Update, and Delete Expenses: Find specific expenses with ease using our search feature. Search by remarks, date, or subcategory to quickly locate transactions. Deleting or updating expenses is straightforward, with dedicated buttons for each action. Update expenses one by one, ensuring accuracy and control over your financial records. Our app provides a seamless experience, allowing you to focus on what matters most - your financial goals. AI-Powered Finance Chat: Get instant answers about your finances using smart AI assistance. Ask questions about your spending, budgets, or trends and receive personalized insights in seconds. You stay in control — connect your preferred AI provider and use the feature on your terms. Spending Insights: Spending Insights gives you a clear view of your finances with category pie charts, spending trends over time, and smart forecasts—helping you understand patterns, plan ahead, and stay in control of your money. Privacy & Security: We prioritize the privacy and security of your personal information. We want to assure you that we do not collect or share any of your data. Your financial information is kept strictly confidential and remains solely within your device. Your privacy and trust are of utmost importance to us, and we are dedicated to providing you with a secure and trustworthy experience. Note: SpendMaster requires iOS 15 or later.

About

ihave

Read full description

ihave - Budget Manager * Take control of your finances with ihave – the ultimate companion for tracking your income, debts, and assets effortlessly! Whether you're managing your finances for personal or business purposes, ihave has got you covered with its intuitive features and sleek design. * Track Your Finances: Easily add, edit, and list your incomes, debts, and assets with just a few taps. From tracking your monthly expenses to monitoring your assets' price changes, ihave provides comprehensive insights into your financial health. * Smart Debt Management: Say goodbye to debt stress! With ihave, you can add debts with no occurrence or input loan and credit card statements for precise tracking. Visualize your monthly total debts with interactive bar charts and stay on top of your financial commitments. * Credit Card Insights: Dive deep into your credit card statements with ihave's intuitive table and chart views. Gain valuable insights into your spending patterns and make informed financial decisions effortlessly. * Multi-Currency Support: ihave supports multiple currencies, allowing you to manage your finances globally. Easily add income, debt, and assets with different currency options and switch between currencies seamlessly. * Dashboard Overview: Get a snapshot of your financial status at a glance! ihave displays your total income, debts, and assets values, along with monthly net income and overall net worth calculations for comprehensive financial management. * Never Miss a Payment: Stay organized with timely notifications for income and debt due dates. ihave ensures you're always informed about upcoming payments, helping you avoid late fees and stay on track with your financial goals. * Customize Your Experience: Tailor ihave to suit your preferences with customizable settings. Switch between light and dark mode, choose your preferred display currency, and easily convert currencies with just a few taps. * Download ihave now and take charge of your finances like never before! Start your journey towards financial freedom today.

Screenshots

SpendMaster4 screens
ihave4 screens

Verdict

The call

The clearest difference is update cadence: ihave at daily against SpendMaster's monthly. SpendMaster's advantage is iOS requirement (15.0 vs 17.0). On price, ads, in-app purchases and device support 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

SpendMaster ships an update monthly, ihave daily. The most recent releases landed on November 3, 2026 and October 27, 2026 respectively.

Scorecard2 real differences · 8 level
SpendMaster versus ihave: the parameters behind the verdict, then further details
ParameterSpendMasterihave
PriceFreeFree
Rating4.9 (17 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings17 — better—
Update frequencyMonthlyDaily — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better17.0
Further details — not scored
Size16 MB10 MB
Age rating4+4+
DeveloperShaishav PatelHamza Ak

In-app purchases

None

SpendMaster

No in-app purchases

None

ihave

No in-app purchases

Questions

Is SpendMaster free?
SpendMaster is free to download, with no in-app purchases.
Is ihave free?
ihave is free to download, with no in-app purchases.
Do SpendMaster or ihave have ads?
Neither SpendMaster nor ihave shows ads.
Which is updated more often, SpendMaster or ihave?
SpendMaster ships an update monthly, and ihave daily. Most recently, SpendMaster was updated on November 3, 2026 and ihave on October 27, 2026.

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