Comparison

Spendful vs Spending & Expense Tracker

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

Head to head
About

Spendful

This app offers a minimalist approach to tracking your expenses, focusing on privacy and manual entry. Visualize your spending habits with intuitive charts and organize purchases into custom groups. It's designed for users who want a clear, ad-free overview of their financial activity.

Highlights
  • Manual spend tracking
  • Visual spending charts
  • Custom spend groups
  • Inflation adjustment
  • Siri Shortcuts integration
  • CSV import/export
  • iCloud sync
  • Privacy-focused
Features
Read full description

Spendful is a minimalist, privacy-first spend tracker. Log purchases manually to become more mindful of your habits. Then, visualize your data with clean, intuitive charts to spot patterns over time. It’s that simple—no bank connections, no ads, no one peeking at your data. Just clear charts, seamless data entry, custom categories, and data you fully own—secure in your personal iCloud account. Features: • Visual summaries: Understand your spending at a glance with clean, beautiful charts and simple category breakdowns by week, month, quarter, or year. • Spend Groups: Organize expenses into separate collections — personal, business, household, travel (anything!) — each independently synced in iCloud. • Inflation adjustment: Understand real changes in your spending habits by adjusting for inflation, powered by IMF economic data. • Siri Shortcuts: Track purchases hands-free — just say "Hey Siri, track spending." • CSV import & export: Bring your existing data in and take it with you anytime. • iCloud sync: Your data lives exclusively in your iCloud account, synced automatically across all your Apple devices. • Privacy by design: Your data is safe. All data is stored securely in iCloud, belongs entirely to you, and is never collected or shared. • Ad-free: Focus on understanding your spending without distractions—no ads, no clutter. • Sharing: Collaborate with household members or travel companions on shared expenses. Make a spend group for each use case and share them independently (one time in-app purchase required). • Multi-currency: Log expenses in any currency and convert automatically using daily exchange rates across 30+ currencies (one-time in-app purchase required). • Recurring expenses: Track rent, subscriptions, and other repeating costs (one-time in-app purchase required). ~ How much do you spend?  Where does it go?  The more you track, The more you know. ~

About

Spending & Expense Tracker

Manage your money with this personal finance manager. Plan budgets, track income and expenses, and grow savings with smart tools. Achieve financial freedom with easy-to-use budgeting and expense tracking.

Highlights
  • Monthly budgeting tools
  • Income and expense tracking
  • Savings growth features
  • Income calculator
  • Expense calendar
  • Financial insights
Features
Read full description

Take control of your finances with Spending & Expense Tracker, your ultimate money bestie! Effortlessly plan your monthly budget, track your income and expenses, and watch your savings grow. With powerful tools like an income calculator, budgeting organizer, and expense calendar, staying on top of your finances has never been easier. Features: Smart income & expense tracking to manage your money like a pro. Easy-to-use monthly budgeting tools to reach your financial goals. Insights to help you save smarter and spend wiser. Start your journey to financial freedom today with your new personal finance manager. You may purchase an auto-renewing subscription through an In-App Purchase. - Auto-renewable subscription - 1 year ($29.99) with 3 days trial durations Terms of Use: https://hmarat.github.io/webpages/terms.htm Privacy Policy: https://hmarat.github.io/webpages/privacy.html

Screenshots

Spendful4 screens
Spending & Expense Tracker4 screens

Verdict

The call

The clearest difference is monetization model: Spendful at free with in-app purchases against Spending & Expense Tracker's subscription. Spendful also leads on rating (5.0 vs 4.6). Spending & Expense Tracker's advantage is update cadence (every 5 days vs every 4 months) and ratings volume (41 vs 4). On price, ads, in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Spendful sells 2 one-off in-app purchases and Spending & Expense Tracker sells 4 in-app purchases, starting at $19.99 per year. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Spendful holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Spending & Expense Tracker has 41 ratings behind it against 4, so its average is the more settled of the two.

UpkeepUpdate frequency

Spendful ships an update every 4 months, Spending & Expense Tracker every 5 days. The most recent releases landed on September 30, 2026 and October 6, 2026 respectively.

Scorecard5 real differences · 5 level
Spendful versus Spending & Expense Tracker: the parameters behind the verdict, then further details
ParameterSpendfulSpending & Expense Tracker
PriceFreeFree
Rating5.0 (4 ratings) — better4.6 (41 ratings)
Positive reviews—72.2% of reviews
Number of ratings441 — better
Update frequencyEvery 4 monthsEvery 5 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases — betterSubscription
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.012.0 — better
Further details — not scored
Size7 MB77 MB
Age rating4+4+
DeveloperAllegra LaroVage Alaverdian

Customer experience

Spendful

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Spending & Expense Tracker

All ratings41 ratings
Positive92.7%
Neutral0.0%
Negative7.3%
Written reviews18 reviews
Positive72.2%
Neutral0.0%
Negative27.8%

Bugs and requests

Spendful

Not enough reviews yet to summarise bugs or requests.

Spending & Expense Tracker

Reported bugs

2 issues
  • Disappearing income categories
  • Inability to move categories between expense and income

Requested features

3 requests
  • Add more currency options
  • Ability to convert currencies to USD
  • Suggest new functionalities and features

In-app purchases

2 purchases

Spendful

One-time2
  • Full versionFree
  • Full version$9.99
4 purchases

Spending & Expense Tracker

Subscriptions2
  • Annual Premium$19.991 Year
  • Annual Premium, 3 days Trial3 Days trial$29.991 Year
One-time2
  • Lifetime Premium2 variantsFree
  • Lifetime Premium2 variants$79.99

Questions

Is Spendful free?
Spendful is free to download, with in-app purchases available.
Is Spending & Expense Tracker free?
Spending & Expense Tracker is free to download, with in-app purchases available.
Which has better reviews, Spendful or Spending & Expense Tracker?
Spendful is rated higher. Spendful averages 5.0 out of 5 from 4 ratings, while Spending & Expense Tracker averages 4.6 from 41 ratings.
Do Spendful or Spending & Expense Tracker have ads?
Neither Spendful nor Spending & Expense Tracker shows ads.
Which is updated more often, Spendful or Spending & Expense Tracker?
Spendful ships an update every 4 months, and Spending & Expense Tracker every 5 days. Most recently, Spendful was updated on September 30, 2026 and Spending & Expense Tracker on October 6, 2026.

Other comparisons