iSpend vs Spending Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
iSpend
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iSpend-CBT is a simple expense tracker. Before spending money, open the app and describe the purchase as either necessary or discretionary. Your expense will be recorded. At a glance, you can see your spending habits. You can set budgets and export your spending history as a spreadsheet.
Spending Tracker
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.
- Track daily expenses
- Stay on budget
- Visualize spending categories
- Save for goals
- Home screen widgets
- Manage recurring charges
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Mochi Money. Track spending, stay on budget, save more. Managing money is stressful. MochiMoney makes it easy. Tap in your morning coffee. See where this month's money actually went. Hit the end of the month with something left over, for once. That's the whole pitch. Most budgeting apps treat you like an accountant. Mochi treats you like a person. It's the friendly little tracker you'll actually open every day, because it takes ten seconds and never makes you feel bad. What Mochi helps you do: Stop wondering where your money went. Every coffee, ride, and impulse buy goes in with a few taps. By the end of the month, you swap "I have no idea" for a clear picture you can act on. See your spending in colour. A simple, beautiful breakdown shows which categories are eating your paycheck. Groceries, dining, subscriptions. It's all right there. No spreadsheets. No math. Stay on budget without thinking about it. Set a monthly limit per category once, then let Mochi quietly mind the gap. You'll know you're getting close before you blow past it, not after. Save up for the things you actually want. Make wallets for the trip to Japan, the first car, the moving-out fund. Watch the progress bars grow. Feel that little hit of "I'm doing it" every time you put money aside. Glance, don't dig. Pin Mochi widgets to your home screen and see your balance, your budget, and your top spending without even unlocking the app. Money clarity in a single glance. Never get blindsided by a recurring charge. Log your subscriptions and bills once. Mochi remembers the rest, so future you doesn't get that "wait, what?" moment on payday. Built for real people, not finance nerds You don't need to learn Mochi. There's no setup wizard, no jargon, no judgment. It's quick, it's friendly, it's a little bit cute. Within a week, you'll actually understand your money for the first time. Saving for your first apartment? Trying to stop bleeding cash on takeout? Just want to feel less anxious when your phone buzzes with a bank notification? Mochi's got you. Take a breath. Tap a few buttons. Take control. Download Mochi Money and start a softer, smarter relationship with your money today.
Screenshots
Verdict
The clearest difference is in-app purchases: iSpend at none against Spending Tracker's 1. iSpend also leads on iOS requirement (17.0 vs 26.2). On price, update cadence, ads 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
Both are free to download. Spending Tracker sells 1 one-off in-app purchase. iSpend asks for nothing beyond the download.
iSpend ships an update fortnightly, Spending Tracker monthly. The most recent releases landed on October 3, 2026 and September 30, 2026 respectively.
| Parameter | iSpend | Spending Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | — | 1 — better |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | — | Free with in-app purchases |
| Devices | iPhone, iPad, Mac — better | iPhone, iPad |
| Requires iOS | 17.0 — better | 26.2 |
| Further details — not scored | ||
| Size | 4 MB | 20 MB |
| Age rating | 4+ | 4+ |
| Developer | Spencer Marks | Pratish Shrestha |
In-app purchases
iSpend
No in-app purchases
Spending Tracker
- Mochi Money Pro$12.99








