Vault vs Spending Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Vault
Effortlessly track all your recurring expenses, from streaming services to gym memberships. Get timely alerts for trial expirations and price changes to avoid unwanted charges. Visualize your spending with detailed analytics and custom widgets.
- Subscription tracking dashboard
- Trial expiration alerts
- Automatic subscription import via screenshot
- Financial analytics and projections
- Customizable widgets for home/lock screen
- Apple Watch app
- Multi-currency support
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STOP PAYING FOR SUBSCRIPTIONS YOU FORGOT ABOUT. Every month, your card is quietly hit by streaming services, app trials that converted, gym memberships you stopped using, and bills that slowly creep up. Vault is the subscription tracker that catches every renewal, trial, and price hike before it drains your wallet — so you finally know where your money goes and exactly how much you can keep. One glance. Every subscription. Zero guesswork. WHY PEOPLE SWITCH TO VAULT • See every bill, renewal, and free trial on one beautiful dashboard • Get reminded the moment a trial is about to convert — cancel in time, every time • Slash wasted spend with instant category breakdowns and yearly projections • Skip typing — send a screenshot and Vault adds each subscription automatically • Check your next payment from the Lock Screen, Home Screen, or Apple Watch in one second 12 HOME SCREEN AND LOCK SCREEN WIDGETS Twelve widget designs to mix and match: next payment, monthly total, yearly trend, category donut, weekly forecast, top spender, active trials, and more. Every widget refreshes automatically. FULL APPLE WATCH APP Your wrist becomes your subscription dashboard. Five dedicated screens — Overview, Yearly Trend, Categories donut, Weekly Forecast, and Top Spender — sync live from your iPhone. Works even offline. SMART SCREENSHOT IMPORT Adding a subscription takes one tap. Screenshot your Apple subscriptions page, a PayPal email, or a bank statement — Vault's on-device recognition extracts each service, price, and renewal date so you don't type a thing. POWERFUL FINANCIAL ANALYTICS Clear charts show monthly vs yearly spend, cumulative cost curves, category splits, and a portfolio health score that highlights exactly where to cut first. Stop guessing. Start seeing. CALENDAR HEATMAP See which days of the month hit hardest. Days are tinted by how much you spend — pile-ups, doubled renewals, and expensive weeks become impossible to miss. FREE TRIAL ALERTS Mark any subscription as a trial, set the end date, and Vault will ping you before it converts. No more surprise charges for apps you already forgot. 100+ CURRENCIES WITH LIVE CONVERSION Netflix in USD, Spotify in EUR, rent in GBP? Vault converts everything to your home currency in real time with live FX rates. Perfect for travelers, expats, and digital nomads. CANCEL WITHOUT FORGETTING Cancel a subscription and Vault moves it to an archive that tracks your annual savings. Proof your budget cuts are working. LIVE ACTIVITIES AND SIRI SHORTCUTS Pin the next renewal to the Lock Screen and Dynamic Island with a Live Activity. Ask Siri how much you spend this month without unlocking your phone. PRIVATE BY DESIGN Your financial data never leaves your devices. No account, no trackers, no ads. Secure iCloud sync across iPhone, iPad, Mac, and Apple Watch. Optional PIN lock keeps the Vault closed even while your phone is unlocked. CUSTOMIZE EVERYTHING Tags, categories, notes, family split costs, price history, and weekly, monthly, yearly, or custom billing cycles. Vault bends to how you actually live, from the $2 app trial to the yearly utility bill. FREE TO START Add your first subscriptions for free. Unlock unlimited tracking, screenshot import, advanced charts, and premium widgets with a one-time lifetime upgrade or a yearly plan. Download Vault now. Your bank account will thank you. Important info about purchases. Payment will be charged to your Apple ID account at the confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Spending Tracker
Effortlessly manage your money by tracking expenses, income, and budgets. Gain insights into spending habits with detailed reports and customizable categories. Automate recurring transactions for seamless financial organization.
- Intuitive financial dashboard
- Expense and income logging
- Monthly budget management
- Recurring transaction automation
- Customizable spending reports
- Personalized category management
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Take control of your finances with Expense Tracker, the easiest way to track your expenses, manage your income, and stick to your budget. Whether you’re planning your monthly budget or tracking daily spending, Expense Tracker is your perfect tool for effortless financial management. Key Features: - Intuitive Dashboard: Get a clear overview of your financial health. See your income, expenses, and net balance at a glance. - Expense and Income Tracking: Log your expenses and income in seconds. Categorize your transactions to understand where your money goes. - Budget Management: Set monthly budgets for each category and monitor your spending with real-time progress bars. Stay on top of your goals and avoid overspending. - Recurring Transactions: Automate your monthly subscriptions, rent, or salary with recurring transactions to stay organized effortlessly. - Detailed Reports: Analyze your spending habits with customizable reports. Filter by category, sub-category, transaction type, or time range (monthly, quarterly, yearly, or custom). - Fully Customizable: Add or remove categories to tailor the app to your needs. Edit budgets directly from the settings. Why Choose Expense Tracker? - Easy to Use: A clean and simple interface designed for speed and efficiency. - Powerful Insights: Gain meaningful insights into your spending patterns. - Privacy First: Your financial data is secure and private. - Always Improving: Regular updates with new features based on your feedback. Download Expense Tracker today and master your finances! Payments and Renewal: Payment will be charged to iTunes Account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Account will be charged for renewal within 24-hours prior to the end of the current period. You can manage or turn off auto-renew in your Account settings at any time after purchase No cancellation of the current subscription is allowed during the active period. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy policy: https://martinmitrevski.com/bill-organizer-privacy-policy/
Screenshots
Verdict
The clearest difference is rating: Spending Tracker at 5.0 against Vault's 4.5. Vault's advantage is device support (4 vs 2). On price, ratings volume, update cadence and ads 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
Both are free to download. Vault sells 2 in-app purchases, starting at $7.99 per year and Spending Tracker sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.
Spending Tracker holds the better App Store score, 5.0 against 4.5. Both are backed by a comparable volume of ratings — 2 and 3 respectively.
Vault ships an update monthly, Spending Tracker every 3 weeks. The most recent releases landed on August 28, 2026 and June 1, 2026 respectively.
| Parameter | Vault | Spending Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (2 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 2 | 3 — better |
| Update frequency | Monthly | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, Mac, Apple Watch — better | iPhone, iPad |
| Requires iOS | 17.0 | 17.0 |
| Further details — not scored | ||
| Size | 49 MB | 16 MB |
| Age rating | 4+ | 4+ |
| Developer | Viktor Grushevskiy | Martin Mitrevski |
Customer experience
Vault
Spending Tracker
In-app purchases
Vault
- Yearly$7.991 Year
- Premium Forever$14.99
Spending Tracker
- Monthly Subscription$1.991 Month
- 6 Months Access$9.996 Months
- Yearly Access$14.991 Year
Questions
Is Vault free?
Is Spending Tracker free?
Which has better reviews, Vault or Spending Tracker?
Do Vault or Spending Tracker have ads?
Which is updated more often, Vault or Spending Tracker?
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