# SpendWave Expense tracker App vs Finko

The clearest difference is in-app purchases: Finko at none against SpendWave Expense tracker App's 4. Finko also leads on iOS requirement (15.0 vs 17.6). SpendWave Expense tracker App's advantage is update cadence (fortnightly vs every 2 months). On price, ads and device support there is nothing between them.

Both are free to download. SpendWave Expense tracker App sells 4 in-app purchases, starting at $0.99 per month. Finko asks for nothing beyond the download.

SpendWave Expense tracker App ships an update fortnightly, Finko every 2 months. The most recent releases landed on October 19, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | SpendWave Expense tracker App | Finko |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (9 ratings)](https://appshunter.io/ios/app/spendwave-expense-tracker-app/id6463366735/reviews)** | — |
| Number of ratings | **9** | — |
| Positive reviews | 70.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Freemium | — |
| Size | 19 MB | 76 MB |
| Requires iOS | 17.6 | **15.0** |
| Devices | **iPhone, iPad, Mac, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Robin Guido Schmidt](https://appshunter.io/developer/1571959440) | [Yandoama Consulting](https://appshunter.io/developer/1857250814) |

## What reviewers say

### SpendWave Expense tracker App

[App page](https://appshunter.io/ios/app/spendwave-expense-tracker-app/id6463366735)

Easily manage your income and expenses with this personal finance companion. Track spending, set savings goals, and gain insights with detailed analyses and a financial calendar. Securely organize your money across different accounts and currencies.

**Highlights:** Multiple accounts and currencies, Quick transaction recording, Financial calendar overview, Customizable spending categories, Savings goal tracking, Detailed financial analysis, Data encryption for security

**Features:** Apple Watch app, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendWave+ Monthly | $0.99 | per month |
| SpendWave+ Monthly | $0.99 | per month |
| SpendWave+ Yearly | $8.99 | per year |
| SpendWave+ one-time purchase | $29.99 | one-time |


### Finko

[App page](https://appshunter.io/ios/app/finko/id6761880199)

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

**In-app purchases:** none


## Frequently asked questions

### Is SpendWave Expense tracker App free?

SpendWave Expense tracker App is free to download, with in-app purchases available.

### Is Finko free?

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

### Do SpendWave Expense tracker App or Finko have ads?

Neither SpendWave Expense tracker App nor Finko shows ads.

### Which is updated more often, SpendWave Expense tracker App or Finko?

SpendWave Expense tracker App ships an update fortnightly, and Finko every 2 months. Most recently, SpendWave Expense tracker App was updated on October 19, 2026 and Finko on October 18, 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.*