# S Pay Merchant vs AI Spend Tracker

The clearest difference is in-app purchases: S Pay Merchant at none against AI Spend Tracker's 2. S Pay Merchant also leads on iOS requirement (13.0 vs 18.5). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. AI Spend Tracker sells 2 in-app purchases, starting at $5.99 per month. S Pay Merchant asks for nothing beyond the download.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on November 8, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | S Pay Merchant | AI Spend Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.0 (2 ratings)](https://appshunter.io/ios/app/ai-spend-tracker-retrobudget/id6743363764/reviews)** |
| Number of ratings | — | **2** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | — | Freemium |
| Size | 30 MB | 21 MB |
| Requires iOS | **13.0** | 18.5 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [SuperSoniczPay](https://appshunter.io/developer/1705407038) | [Pushpinder Pal Singh](https://appshunter.io/developer/1527766642) |

## What reviewers say

### S Pay Merchant

[App page](https://appshunter.io/ios/app/s-pay-merchant/id6477390263)

**Features:** macOS Compatibility

**In-app purchases:** none


### AI Spend Tracker

[App page](https://appshunter.io/ios/app/ai-spend-tracker-retrobudget/id6743363764)

This app analyzes your financial statements by uploading PDFs, using AI to categorize transactions without requiring bank account linking. It provides detailed spending breakdowns and visual charts to help you understand your financial habits. Prioritizes user privacy by processing and deleting statements after analysis.

**Highlights:** AI-powered transaction categorization from PDF statements, Spending breakdowns by category, merchant, and card, Multi-card tracking, Visual spending charts, No bank account linking required, Privacy-focused statement processing

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro | $5.99 | per month |
| Annual | $59.99 | per year |


## Frequently asked questions

### Is S Pay Merchant free?

S Pay Merchant is free to download, with no in-app purchases.

### Is AI Spend Tracker free?

AI Spend Tracker is free to download, with in-app purchases available.

### Do S Pay Merchant or AI Spend Tracker have ads?

Neither S Pay Merchant nor AI Spend Tracker shows ads.

### Which is updated more often, S Pay Merchant or AI Spend Tracker?

S Pay Merchant ships an update every 2 months, and AI Spend Tracker every 2 months. Most recently, S Pay Merchant was updated on November 8, 2026 and AI Spend Tracker on November 4, 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.*