# Chipp vs Spending Tracker

The clearest difference is rating: Chipp at 4.4 against Spending Tracker's 3.0. Chipp also leads on in-app purchases (none vs 4) and ratings volume (16 vs 2). Spending Tracker's advantage is update cadence (every 5 days vs fortnightly). On price, ads and device support there is nothing between them.

Both are free to download. Spending Tracker sells 4 in-app purchases, starting at $2.99 per month. Chipp asks for nothing beyond the download.

Chipp holds the better App Store score, 4.4 against 3.0. That said, the two scores are not equally well evidenced: Chipp has 16 ratings behind it against 2, so its average is the more settled of the two.

Chipp ships an update fortnightly, Spending Tracker every 5 days. Both last shipped on June 11, 2026.

## The numbers

| Metric | Chipp | Spending Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (16 ratings)](https://appshunter.io/ios/app/chipp/id6636520980/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/spending-tracker-budget-ally/id6739544357/reviews) |
| Number of ratings | **16** | 2 |
| Positive reviews | 77.8% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 5 days** |
| Monetization | **Free** | Freemium |
| Size | 116 MB | 37 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Chipp LLC](https://appshunter.io/developer/1762962073) | [Jeffrey Kehler](https://appshunter.io/developer/1785956701) |

## What reviewers say

### Chipp

[App page](https://appshunter.io/ios/app/chipp/id6636520980)

Effortlessly track, split, and settle group expenses with a lightning-fast interface. Manage shared living costs, travel bills, and dinner receipts with ease. Settle up instantly with friends, all within one convenient app.

**Highlights:** Tap-to-split interface, Find friends nearby, Create shared expense groups, Split rent and utilities, Manage travel expenses, Scan receipts for dinner bills, Handle partial splits

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### Spending Tracker

[App page](https://appshunter.io/ios/app/spending-tracker-budget-ally/id6739544357)

Easily track expenses, split bills, and manage money with others. Features AI receipt scanning, voice input, and customizable tracking spaces for personal or shared finances. Get real-time budget updates and spending analytics.

**Highlights:** AI receipt scanning, Voice transaction input, Customizable tracking spaces, Expense splitting, Real-time budget updates, Spending analytics

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium (Monthly) | $2.99 | per month |
| Premium (Annual) | $24.99 | per year |
| Premium (Limited time offer) | Free | one-time |
| Premium (Lifetime) | $59.99 | one-time |


## Frequently asked questions

### Is Chipp free?

Chipp is free to download, with no in-app purchases.

### Is Spending Tracker free?

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

### Which has better reviews, Chipp or Spending Tracker?

Chipp is rated higher. Chipp averages 4.4 out of 5 from 16 ratings, while Spending Tracker averages 3.0 from 2 ratings.

### Do Chipp or Spending Tracker have ads?

Neither Chipp nor Spending Tracker shows ads.

### Which is updated more often, Chipp or Spending Tracker?

Chipp ships an update fortnightly, and Spending Tracker every 5 days. Most recently, Chipp was updated on June 11, 2026 and Spending Tracker on June 11, 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.*