Spendful vs Spending & Expense Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Manual spend tracking
- Visual spending charts
- Custom spend groups
- Inflation adjustment
- Siri Shortcuts integration
- CSV import/export
- iCloud sync
- Privacy-focused
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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. ~
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.
- Monthly budgeting tools
- Income and expense tracking
- Savings growth features
- Income calculator
- Expense calendar
- Financial insights
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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
Verdict
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
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.
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.
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.
| Parameter | Spendful | Spending & Expense Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (4 ratings) — better | 4.6 (41 ratings) |
| Positive reviews | — | 72.2% of reviews |
| Number of ratings | 4 | 41 — better |
| Update frequency | Every 4 months | Every 5 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases — better | Subscription |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 7 MB | 77 MB |
| Age rating | 4+ | 4+ |
| Developer | Allegra Laro | Vage Alaverdian |
Customer experience
Spendful
Spending & Expense Tracker
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
Spendful
- Full versionFree
- Full version$9.99
Spending & Expense Tracker
- Annual Premium$19.991 Year
- Annual Premium, 3 days Trial3 Days trial$29.991 Year
- Lifetime Premium2 variantsFree
- Lifetime Premium2 variants$79.99
Questions
Is Spendful free?
Is Spending & Expense Tracker free?
Which has better reviews, Spendful or Spending & Expense Tracker?
Do Spendful or Spending & Expense Tracker have ads?
Which is updated more often, Spendful or Spending & Expense Tracker?
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