Spendly vs Spend Tracker & Budget
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spendly
Manage your personal finances with this straightforward app. Track expenses, set savings targets, and monitor your financial health. All your data is kept private and secure on your device.
- Expense tracking
- Savings goal setting
- Financial situation overview
- On-device data storage
- No account required
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Spendly - a simple and effective personal finance management app. Track your spending, set savings goals, and easily keep track of your financial situation. No account required, no data collection - all information is securely stored on your device.
Spend Tracker & Budget
Log expenses quickly by speaking naturally. This app parses amounts, categories, and merchants from your voice input, offering visual insights and budget tracking. Choose on-device processing for enhanced privacy.
- Voice-first expense logging
- Smart parsing of transactions
- On-device privacy option
- Visual spending charts
- Category-based budgeting
- Transaction history and search
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Log an expense in under 3 seconds — just say it. "Coffee 4.50", "Groceries 32 at the market", "Taxi 12": the app fills in the amount, category, merchant and note for you. Review, save, done. VOICE OR TEXT • Tap the mic and speak in your language, or type if you prefer • Edit any field with one tap before saving BUDGETS & SAVINGS GOALS • Monthly budgets per category with over-budget alerts • Savings goals with deadlines and monthly contribution hints • Add your income and see what's safe to spend CLEAR INSIGHTS • Donut, bar, trend and heatmap charts • Weekly spike alerts and per-category breakdowns • Spot recurring expenses PRIVATE BY DESIGN • Your expenses are stored on your device • Choose on-device parsing (nothing leaves your phone) or cloud parsing for higher accuracy • Backups and exports only when you choose Pick your own currency. Free with ads; Spendly Plus removes ads and unlocks unlimited cloud parsing. Terms of Use: https://nagy-legal.vercel.app/spendly/terms.html Privacy Policy: https://nagy-legal.vercel.app/spendly/privacy.html
Screenshots
Verdict
The clearest difference is update cadence: Spendly at every 4 days against Spend Tracker & Budget's every 9 days. Spend Tracker & Budget's advantage is device support (3 vs 1). On price, rating, review sentiment and ratings volume 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. Spendly sells 1 one-off in-app purchase and Spend Tracker & Budget sells 4 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 5.0 for Spendly against 5.0 for Spend Tracker & Budget. Both are backed by a comparable volume of ratings — 1 and 2 respectively. Written reviews split almost evenly too, at 100% and 100% positive.
Spendly ships an update every 4 days, Spend Tracker & Budget every 9 days. The most recent releases landed on October 4, 2026 and October 25, 2026 respectively.
| Parameter | Spendly | Spend Tracker & Budget |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (2 ratings) |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 1 | 2 — better |
| Update frequency | Every 4 days — better | Every 9 days |
| Ads | Yes | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 7 MB | 50 MB |
| Age rating | 4+ | 9+ |
| Developer | Hieu Xuan Leu | Mohamed Nagy |
Customer experience
Spendly
Spend Tracker & Budget
In-app purchases
Spendly
- Remove Ads$0.99
Spend Tracker & Budget
- Weekly subscription$0.997 Days
- Monthly subscription$1.991 Month
- Yearly subscription2 variants$19.991 Year
- Remove Ads & Unlock Insights$3.99
Questions
Is Spendly free?
Is Spend Tracker & Budget free?
Which has better reviews, Spendly or Spend Tracker & Budget?
Do Spendly or Spend Tracker & Budget have ads?
Which is updated more often, Spendly or Spend Tracker & Budget?
Other comparisons
