Comparison

H44 vs Spendly

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

Head to head
About

H44

Manage your money with a minimalist finance tracker. Organize budgets, track spending, monitor income, and manage bills and subscriptions. Get a clear financial overview with intuitive tools for everyday expenses and long-term wealth building.

Highlights
  • Budget creation and management
  • Asset and liability tracking
  • Income and expense monitoring
  • Bill and subscription management
  • Financial overview with balance calculations
  • Account and sub-account organization
  • Transaction logging and sorting
Read full description

H44 Finance Manager is a minimalist app designed to help you manage finances, accounts, budgets, spending, bills and more. Stay organized and in complete control of your finances with intuitive tools for budgeting, bill tracking and finance management. Discover smart finance management with H44 your all-in-one money tracker and money manager. Whether you’re budgeting for everyday expenses or building long-term wealth, H44 Finance Manager helps you stay on top of it all. Use H44 For: Budgeting: Create and manage budgets to track your spending and savings goals Tracking Assets & Liabilities: Log all your accounts, including cash, bank accounts, investments, loans, and credit cards Monitoring Income & Expenses: Keep an eye on your earnings and spending habits with detailed transaction tracking Bill & Subscription Management: Never miss a payment—track upcoming bills and subscriptions effortlessly Financial Overview at a Glance: Get a clear picture of your financial health with automatic balance calculations. Accounts: Add accounts with options to hide/unhide, include/exclude from total balances, rename and delete Maximum 10 visible accounts by default Undo account deletion within 4 seconds Accounts are arranged by date by default Accounts can be reordered as needed Set budgets or goals for accounts Sub-Accounts: Create sub-accounts under each account, hide/unhide, rename, move, include/exclude their totals in account balances and delete them as needed Sub-accounts are arranged by date by default Sub-accounts can be reordered as needed Maximum 9 visible sub-accounts by default Long pressing on sub-account name for 4 seconds creates a copy of the selected sub-account along with all its transactions Set budgets or goals for sub-accounts Transactions: Add, edit, copy, move and delete transactions with ease Long-pressing a transaction name for 4 seconds creates a copy of the transaction By default, transactions are arranged by amount Transactions can be sorted by date in ascending or descending order Transactions can be sorted by day within the current week Double-tapping on a transaction title allows to include or exclude it from totals (mark as paid / unpaid) Add short notes and unlimited detailed text to transactions Add tags to transactions for convenient sorting Note: The free version allows up to 4 transactions per sub-account. Subscribe to Yearly Auto-Renewable Subscription "Paid Futures" $9.99 per/year to unlock unlimited transactions for all sub-accounts. Price may vary by region. Settings: Face ID enhances privacy Dark mode enhances user experience CloudKit integration provides a convenient backup solution Support for English, Armenian, Simplified Chinese, Spanish and German languages You may include emojis and special keyboard characters in any text field of this app Ability to change background colors for Accounts and Sub-Accounts using preset colors Ability to add a widget to display the total of a selected Sub-Account H44 Finance Manager helps with budgeting, expense tracking, money and bill management No registration is required and all your data is kept on your device and in iCloud Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ PRIVACY POLICY: https://h44finance.com/privacy.html

About

Spendly

Read full description

Personal Finance Tracker - 7-Day Free Trial Take control of your money with Spendly, the private expense tracker that works completely offline. Try all premium features free for 7 days, then choose your plan. Why Choose Spendly: • Complete Privacy - Your financial data stays on your device • Multi-Currency Support - Track expenses in 150+ currencies with live exchange rates • Smart Categories - 3-level organization system for detailed expense tracking • Works Offline - No internet required, perfect for travel and daily use Core Features: Expense Tracking & Budget Management • Quick expense entry with smart categorization • Budget planning and spending analysis • Account management across multiple wallets and cards • Transfer tracking between accounts Analytics & Insights • Visual charts and spending reports • Monthly/yearly financial summaries • Category-based expense analysis • Currency conversion tracking Data Control & Export • Secure local data storage (no cloud required) • Complete backup and restore functionality • Your data belongs to you, not us Perfect For: • Travelers managing multiple currencies • Privacy-conscious users who want offline tracking • Users wanting flexible pricing options • Students and families on a budget Technical Excellence: • Supports 42 languages including English, Spanish, French, German, Italian, Portuguese, Dutch, Swedish, Norwegian, Danish, Finnish, Polish, Czech, Slovak, Hungarian, Romanian, Turkish, Greek, Ukrainian, Russian, Armenian, Arabic, Hebrew, Hindi, Bengali, Tamil, Thai, Vietnamese, Chinese, Japanese, Korean, Indonesian, Malay, Filipino, Swahili, Hausa, Igbo, Yoruba, Croatian, Lingala, Setswana • Clean, intuitive interface designed for daily use • Fast performance with instant data access • Regular updates with new features 7-Day Free Trial: Experience all premium features completely free for the first week. After trial, continue with monthly subscription for full access. Cancel anytime - your data stays yours. Start managing your finances privately and securely today. Terms of Service — https://codestreamly.com/app/spendly/terms-and-conditions Cookie Policy — https://codestreamly.com/app/spendly/cookie-policy Privacy Policy — https://codestreamly.com/app/spendly/privacy-policy Account Deletion — https://codestreamly.com/app/spendly/delete-data-request Contact Us: Any questions? Please contact us at info@codestreamly.com https://codestreamly.com/app/spendly/support

Screenshots

H444 screens
Spendly4 screens

Verdict

The call

The clearest difference is device support: Spendly at 3 against H44's 1. Spendly also leads on iOS requirement (13.0 vs 18.4). 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. H44 sells 1 in-app purchase, starting at $9.99 per year and Spendly sells 1 in-app purchase, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 4 days. The most recent releases landed on October 16, 2026 and October 14, 2026 respectively.

Scorecard2 real differences · 8 level
H44 versus Spendly: the parameters behind the verdict, then further details
ParameterH44Spendly
PriceFreeFree
Rating5.0 (7 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings7 — better—
Update frequencyEvery 4 daysEvery 4 days
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS18.413.0 — better
Further details — not scored
Size6 MB55 MB
Age rating4+4+
DeveloperAram HayrapetyanIevgen Chugunov

In-app purchases

1 purchases

H44

Subscriptions1
  • Paid Futures$9.991 Year
1 purchases

Spendly

Subscriptions1
  • Spendly Lite 1 Month7 Days trial$2.991 Month

Questions

Is H44 free?
H44 is free to download, with in-app purchases available.
Is Spendly free?
Spendly is free to download, with in-app purchases available.
Do H44 or Spendly have ads?
Neither H44 nor Spendly shows ads.
Which is updated more often, H44 or Spendly?
H44 ships an update every 4 days, and Spendly every 4 days. Most recently, H44 was updated on October 16, 2026 and Spendly on October 14, 2026.

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