Comparison

SpendFit Expense Tracker vs Last Payment

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

Head to head
About

SpendFit Expense Tracker

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SpendFit shows you where your money goes and helps you spend less on the things that do not matter. Log an expense in a few taps, sort it into a category, and let the Overview do the rest. WHAT YOU GET • Overview: a dashboard with what you spent this month, your top categories, spending trends, and the recurring bills coming up next. • Categories that mean something: mark each one as Fixed or Variable and as Essential or Non-essential, then see at a glance how much of your spending is a need and how much is a want. • Fast logging: amount, category, date, done. No forms, no friction. • Charts that answer questions: monthly totals, averages, breakdowns by category and by type, so patterns stand out instead of hiding in a list. • Sync everywhere: your data is stored securely in the cloud and stays in sync across all your devices. • Sign in with Apple or Google in one tap. No new password to remember. FREE, WITH NO LIMITS Unlimited categories, unlimited expenses, unlimited devices. The free version is the full app, not a trial. PREMIUM: RECURRING EXPENSES Rent, utilities, streaming subscriptions, the gym: set them up once as Recurring Expenses and SpendFit logs each bill on its day, automatically. Pick any schedule, daily to yearly, and optionally backfill the bills you have already been paying. Your Overview shows what is coming up next, so month-end never surprises you. WHY SPENDFIT Most trackers tell you what you spent. SpendFit tells you what you could stop spending. The Fixed/Variable and Essential/Non-essential split turns a pile of transactions into a clear picture of where there is room to save. Download SpendFit and find out where your money goes. Privacy Policy: https://www.iubenda.com/privacy-policy/11095808 Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Website: https://spendfitapp.com

About

Last Payment

Securely track bills, subscriptions, and debts offline. Get timely reminders and an overview of upcoming, overdue, and paid expenses. Pro features offer advanced analytics and data export.

Highlights
  • Offline data privacy
  • Unlimited bill tracking
  • Flexible recurring payment setup
  • Upcoming, overdue, and paid expense overview
  • Customizable reminders
  • Spending analytics
  • Export to CSV & PDF
Features
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Tired of forgetting due dates and paying late fees? Last Payment keeps every bill, loan and subscription in one calm list. No account, no internet, no data leaving your phone. WHY LAST PAYMENT? • 100% offline and private: your financial data never leaves your device. No sign-up, no server, no data breaches. Delete the app and the data goes with it. • Unlimited tracking: add as many bills, rent payments, credit cards or loans as you need. No hidden limits. • Any rhythm: weekly, every 2 weeks, monthly, yearly, installments (counting up 3/12) or one-time. Set it once. • Missed months don't disappear: skip a month and it stays on your home screen as an overdue badge until you settle it, one tap at a time. • Record what you actually paid: gas isn't the same every month. Enter the real amount and every period keeps its own figure. • Skip a period: an unused subscription or a postponed fee leaves the overdue list without counting as paid. • Home screen widget: your next payments at a glance, overdue first. On iOS. • Reminders that don't give up: an advance heads-up at 09:00, a due-day alert at 15:00 and a follow-up if the payment slips. Tap a notification to open the payment. • Analytics that tell the truth: totals built from real amounts, a payment-by-payment breakdown and a history chart for each payment. • Timeline: the full history of every payment, month by month. Paid, unpaid, skipped, ended. • A backup you own: export everything to a file and restore it later, merging or replacing your list. • Dark and light mode, 6 languages, any currency. GO FURTHER WITH PRO • Reminders any number of days ahead • Trend, forecast and consistency cards in Analytics • Export your history as CSV or PDF • Full widget view: every upcoming payment, not just the next one WHAT CAN YOU TRACK? • Rent, mortgage and HOA fees • Electricity, water, gas and internet • Credit card payments and installments • Personal debts and loans • Digital subscriptions and gym memberships • Insurance and yearly fees Download Last Payment and stop paying late fees.

Screenshots

SpendFit Expense Tracker4 screens
Last Payment4 screens

Verdict

The call

The clearest difference is iOS requirement: Last Payment at 16.4 against SpendFit Expense Tracker's 18.0. On price, update cadence, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. SpendFit Expense Tracker sells 4 in-app purchases, starting at $2.49 per month and Last Payment sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

SpendFit Expense Tracker ships an update monthly, Last Payment every 3 weeks. The most recent releases landed on October 7, 2026 and October 17, 2026 respectively.

Scorecard1 real difference · 8 level
SpendFit Expense Tracker versus Last Payment: the parameters behind the verdict, then further details
ParameterSpendFit Expense TrackerLast Payment
PriceFreeFree
Rating—5.0 (1 ratings) — better
Number of ratings—1 — better
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesYesYes
Monetization—Freemium
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.016.4 — better
Further details — not scored
Size40 MB60 MB
Age rating4+4+
DeveloperJuan GonzálezEmre Balli

In-app purchases

4 purchases

SpendFit Expense Tracker

Subscriptions4
  • Monthly subscription$2.491 Month
  • Monthly subscription$4.991 Month
  • Annual subscription$19.991 Year
Show 1 more
  • Annual subscription$39.991 Year
2 purchases

Last Payment

Subscriptions2
  • Last Payment Pro Monthly$3.991 Month
  • Last Payment Pro Yearly7 Days trial$19.991 Year

Questions

Is SpendFit Expense Tracker free?
SpendFit Expense Tracker is free to download, with in-app purchases available.
Is Last Payment free?
Last Payment is free to download, with in-app purchases available.
Do SpendFit Expense Tracker or Last Payment have ads?
Neither SpendFit Expense Tracker nor Last Payment shows ads.
Which is updated more often, SpendFit Expense Tracker or Last Payment?
SpendFit Expense Tracker ships an update monthly, and Last Payment every 3 weeks. Most recently, SpendFit Expense Tracker was updated on October 7, 2026 and Last Payment on October 17, 2026.

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