SpendingKeeper vs SpendByMe
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SpendingKeeper
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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
SpendByMe
Effortlessly manage your finances with an AI-powered app that automatically tracks expenses, subscriptions, and bills by analyzing SMS and email. Gain clarity on your spending without manual entry, organize transactions with smart categorization, and monitor credit card usage and upcoming payments.
- Automatic expense tracking via SMS/email
- Smart expense categorization
- Credit card bill and due date tracking
- Subscription, loan, and EMI tracker
- Expense splitting with friends/couples
- Budget planner and goal tracking
- Spending map and insights
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Stop tracking expenses manually. Most expense tracker apps expect you to enter everything yourself. That’s where people give up. SpendByMe is an AI-powered SMS & email-based automatic money management app that helps you track expenses, subscriptions, credit card bills, EMIs, and upcoming payments automatically. Instead of manually entering transactions, SpendByMe analyzes transactional SMS messages, statement emails, receipts, and bank statements to organize your finances automatically. No spreadsheets. No daily effort. No confusion. Just clarity. Works with almost every major currency worldwide. ▶ Track your money in 3 simple ways 1. Automatic expense tracking Transactions can be tracked automatically using transactional SMS messages and email alerts. Connect your email to fetch transaction alerts and credit card statements automatically. 2. Paste any transaction Paste a bank message and it gets categorized and added instantly. 3. Manual entry Add amount, merchant, and account. SpendByMe completes the rest automatically. ▶ Smart expense categorization • Automatically categorizes your transactions • Learns from your usage and improves over time • Set custom rules for full control • No need to fix categories again and again ▶ All your money in one place • Bank accounts, credit cards, wallets, and cash • Automatic balance tracking • One clean view of your finances • Automatic currency conversion support No switching between apps. No guesswork. ▶ Smart credit card management • Track credit card bills, due dates, and limits • Monitor spending across multiple cards • Understand your real credit usage • Avoid missed payments and late fees ▶ Subscription, loan & EMI tracker • Detect subscriptions, EMIs, loans, and recurring payments • Track upcoming payments and due dates • Avoid missed payments and hidden charges ▶ Splits with friends & couples • Split expenses with friends instantly • Track shared expenses for trips and groups • Manage couple expenses easily • Send reminders in one tap ▶ Tags & sub-tags for better organization • Organize transactions using tags and sub-tags • Track reimbursements and shared payments • Create trip budgets and event budgets • Filter transactions exactly how you want ▶ Spending map & smart insights • See where you spend money on a map • Track location-based spending habits ▶ Upcoming payments & invoice tracker • Track upcoming bills and payments • Create and manage invoices ▶ Budget planner & goal tracking • Create budgets in seconds • Track savings goals and financial targets ▶ Accurate financial tracking • Separates expenses, income, and transfers properly • Clean and reliable data • Search any transaction instantly • Real insights into your spending ▶ Powerful search & insights • Search transactions, tags, merchants, or notes instantly • AI-powered insights • Understand where your money goes Privacy-first expense tracker ▶ Your data stays yours. • Everything stays on your device unless you enable sync • Only transactional messages and emails are processed • No access to personal chats • No unnecessary data collection SpendByMe does not read personal chats, OTPs, or unrelated messages. Flexible and easy to use • Want full automation? It’s there • Prefer manual control? That works too SpendByMe adapts to you. Gets smarter over time. The more you use it, the better it becomes. Better categorization. Better accuracy. Less effort. Take control of your money today. Download SpendByMe — your smart expense tracker, budget planner, subscription tracker, split expense app, EMI tracker, credit card manager, and automatic money management app. Terms of Use: This app uses the standard Apple Licensed Application End User License Agreement (EULA). You can find it here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: SpendingKeeper at none against SpendByMe's 7. SpendByMe's advantage is ads (none vs shown) and update cadence (every 5 days vs every 2 months). On price 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. SpendByMe sells 7 in-app purchases, starting at $1.99 per month. SpendingKeeper asks for nothing beyond the download.
SpendingKeeper ships an update every 2 months, SpendByMe every 5 days. The most recent releases landed on September 23, 2026 and September 29, 2026 respectively.
| Parameter | SpendingKeeper | SpendByMe |
|---|---|---|
| Price | Free | Free |
| Positive reviews | — | 60.0% of reviews |
| Update frequency | Every 2 months | Every 5 days — better |
| Ads | Yes | No — better |
| In-app purchases | No — better | Yes |
| Monetization | — | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 26.0 | 16.0 — better |
| Further details — not scored | ||
| Size | 7 MB | 90 MB |
| Age rating | 4+ | 4+ |
| Developer | Jae-Seung Lee | Abhinav Ranjan Jha |
In-app purchases
SpendingKeeper
No in-app purchases
SpendByMe
- SpendByMe Pro - Monthly$1.991 Month
- Spendbyme Plus Monthly$3.991 Month
- Spendbyme Max Monthly$7.991 Month
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- SpendByMe Pro 6 Months$7.996 Months
- SpendByMe Pro 1 Year$14.991 Year
- Spendbyme Plus Yearly$29.991 Year
- Spendbyme Max Yearly$59.991 Year
Questions
Is SpendingKeeper free?
Is SpendByMe free?
Do SpendingKeeper or SpendByMe have ads?
Which is updated more often, SpendingKeeper or SpendByMe?
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