# Sem vs Spending Tracker

The clearest difference is in-app purchases: Sem at none against Spending Tracker's 1. Sem also leads on iOS requirement (12.0 vs 26.2). Spending Tracker's advantage is update cadence (monthly vs every 4 months). On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. Spending Tracker sells 1 one-off in-app purchase. Sem asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for Sem against 5.0 for Spending Tracker. Both are backed by a comparable volume of ratings — 1 and 1 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Sem ships an update every 4 months, Spending Tracker monthly. The most recent releases landed on October 11, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | Sem | Spending Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/sem-budgeting/id6455884315/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/spending-tracker-mochimoney/id6758917375/reviews) |
| Number of ratings | 1 | 1 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 53 MB | 20 MB |
| Requires iOS | **12.0** | 26.2 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Mark Mendoza](https://appshunter.io/developer/1700185707) | [Pratish Shrestha](https://appshunter.io/developer/1756880914) |

## What reviewers say

### Sem

[App page](https://appshunter.io/ios/app/sem-budgeting/id6455884315)

Easily manage your expenses, categorize spending, and track savings with this intuitive budgeting tool. Receive timely reminders for upcoming bills and generate detailed monthly financial statements to understand your spending habits.

**Highlights:** Add and manage expenses, Categorize spending, Monthly budget overviews, Push notifications for due dates, Generate monthly statements, Light and Dark mode

**Features:** macOS Compatibility

**In-app purchases:** none


### Spending Tracker

[App page](https://appshunter.io/ios/app/spending-tracker-mochimoney/id6758917375)

Easily track your daily expenses and manage your budget without feeling overwhelmed. Visualize your spending habits with colorful breakdowns and set category limits to save for your goals. Get a clear financial picture with quick, friendly insights.

**Highlights:** Track daily expenses, Stay on budget, Visualize spending categories, Save for goals, Home screen widgets, Manage recurring charges

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Mochi Money Pro | $12.99 | one-time |


## Frequently asked questions

### Is Sem free?

Sem is free to download, with no in-app purchases.

### Is Spending Tracker free?

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

### Which has better reviews, Sem or Spending Tracker?

Sem and Spending Tracker are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.

### Do Sem or Spending Tracker have ads?

Neither Sem nor Spending Tracker shows ads.

### Which is updated more often, Sem or Spending Tracker?

Sem ships an update every 4 months, and Spending Tracker monthly. Most recently, Sem was updated on October 11, 2026 and Spending Tracker on October 16, 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.*