Comparison

Budget Planner vs SpendingKeeper

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

Head to head
About

Budget Planner

Features
Read full description

Accounts is a smart monthly budget planner and money tracker app. Spending out of control, not sure where your money goes each month, want better visibility of your expenses? Accounts can help. Take control of your money with Accounts, a secure budgeting app that brings all your checking, credit, and savings accounts together under the umbrella of a single app. Accounts will help you create a planned monthly budget, automatically categorise your transactions and track your spending against your budget. Quickly and easily add transactions (expenses/income) or alternatively sync data automatically with your bank. Plan your monthly budget and track spending against your budget. Accounts supports two account options: 1. Create offline accounts and enter transactions manually, quickly and easily. 2. Sync transactions automatically from Apple Wallet (in the US includes: Apple Card, Apple Cash, Savings). Transactions are categorised by Accounts automatically, in either case. Plan your monthly budget, track spending in real time, and stay confidently in control. WHY YOU'LL LOVE ACCOUNTS All Your Money, One App. Have multiple checking accounts, credit cards and savings with different banks - Accounts will consolidate the data into a single app. Create offline accounts and enter transactions quickly and easily. No connection to your bank is required and your data stays local and secure on your own device. No internet connection is required to use the app and it removes any concerns you may have about your financial data being stored on 3rd party servers in the cloud. Alternatively, connect the app to Apple Wallet, syncing transactions automatically from Apple Card, Apple Cash and Savings (available in the US). No need to enter transactions manually. Effortless Expense Tracking Transactions are intelligently categorised automatically, e.g Rent, Groceries,... You can manually override category assignments, split a transaction across multiple categories, or create your own custom categories - you’re always in control. Built for Monthly Budgets Create a budget yourself or let Accounts generate one based on your recent spending. Track this month against your budget and last month’s spend, and quickly spot where you’re overspending. Clear, Useful Insights See your top spending categories, compare budget vs actual spend, and view trends over time - without overwhelming charts or noise. DESIGNED FOR TRUST & PRIVACY β€’ Offline accounts/transactions - all your data stays local on your device β€’ Secure login with Face ID, Touch ID, or PIN β€’ Sensitive data encrypted at rest NO ADS. NO UPSELLING. NO DISTRACTIONS. Accounts is focused purely on budgeting. No financial product ads. No spam. No constant upgrade prompts. No pushing you to open savings accounts with mediocre interest rates. USE FOR FREE OR PURCHASE FOR MORE OPTIONS Accounts is totally free to use, supporting up to two offline or Apple Wallet accounts at no cost to you. Simple pricing for more than 2 accounts: - Single, low cost, one off, lifetime payment - no subscription is required - Option to pay a lower monthly subscription Standard Apple Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

SpendingKeeper

Features
Read full description

The app helps a user keep the records of spendings. Transactions - Presents a list of transactions since the first day of the last year - Click `+` to add a new transaction - Transaction details - Click `Copy` to create a duplicated transaction Transaction History - Presents a list of past transaction records - Transaction details Accounts - Presents a list of accounts - Click `+` to add a new account - Account details present a list of recent transactions based on the statement day Trends - Choose `daily` or `monthly` to display charts for the spendings during the current and previous periods - Click `cumulative` to diplay the cumulative spendings Snapshots - Presents a list of snapshots - Click `+` to generate a new snapshot from the records between two dates - Snapshot details present charts and table - Click `Share` to save as a pdf file Import from Wallet - Click "Select Transactions" to select transactions shared from Apple Wallet - The list of shared transactions will be presented - Review individual transactions and import Settings - Turn on/off the authentication request

Screenshots

Budget Planner4 screens
SpendingKeeper4 screens

Verdict

The call

The clearest difference is in-app purchases: SpendingKeeper at none against Budget Planner's 5. Budget Planner's advantage is ads (none vs shown) and update cadence (every 2 weeks vs every 2 months). On price and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Budget Planner sells 5 in-app purchases, starting at $0.99 per month. SpendingKeeper asks for nothing beyond the download.

UpkeepUpdate frequency

Budget Planner ships an update every 2 weeks, SpendingKeeper every 2 months. The most recent releases landed on September 20, 2026 and September 8, 2026 respectively.

Scorecard4 real differences Β· 2 level
Budget Planner versus SpendingKeeper: the parameters behind the verdict, then further details
ParameterBudget PlannerSpendingKeeper
PriceFreeFree
Update frequencyEvery 2 weeks β€” betterEvery 2 months
AdsNo β€” betterYes
In-app purchasesYesNo β€” better
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 β€” better26.0
Further details β€” not scored
Size8 MB7 MB
Age rating4+4+
DeveloperTwiddlebit Software LtdJae-Seung Lee

In-app purchases

5 purchases

Budget Planner

Subscriptions4
  • Accounts Budget$0.991 Month
  • Accounts Basic7 Days trial$2.991 Month
  • Accounts Standard$3.991 Month
Show 1 more
  • Accounts Pro$6.991 Month
One-time1
  • Accounts Budget (Lifetime)$4.99
None

SpendingKeeper

No in-app purchases

Questions

Is Budget Planner free?
Budget Planner is free to download, with in-app purchases available.
Is SpendingKeeper free?
SpendingKeeper is free to download, with no in-app purchases.
Do Budget Planner or SpendingKeeper have ads?
SpendingKeeper shows ads; Budget Planner does not.
Which is updated more often, Budget Planner or SpendingKeeper?
Budget Planner ships an update every 2 weeks, and SpendingKeeper every 2 months. Most recently, Budget Planner was updated on September 20, 2026 and SpendingKeeper on September 8, 2026.

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