# SpendWise vs MoneyOS

The clearest difference is ads: MoneyOS at none against SpendWise's shown. SpendWise's advantage is iOS requirement (15.0 vs 26.0). On price, update cadence, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SpendWise ships an update every 8 days, MoneyOS every 4 days. The most recent releases landed on October 28, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | SpendWise | MoneyOS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/spendwise-budget-tracker/id6742374660/reviews)** | — |
| Number of ratings | **3** | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 8 days | **Every 4 days** |
| Monetization | Ad-supported | — |
| Size | 33 MB | 10 MB |
| Requires iOS | **15.0** | 26.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Vishalbhai Vaghasiya](https://appshunter.io/developer/1512628511) | [Chandan Shetty SP](https://appshunter.io/developer/492231033) |

## What reviewers say

### SpendWise

[App page](https://appshunter.io/ios/app/spendwise-budget-tracker/id6742374660)

Easily track daily expenses, manage budgets, and maintain digital khata records. This secure app offers custom categories, multi-currency support, and daily reminders to help you take control of your finances.

**Highlights:** Expense and budget tracking, Digital khata and ledger management, Secure iCloud sync, Passcode lock for privacy, Multi-currency support, Daily expense reminders

**Features:** macOS Compatibility

**In-app purchases:** none


### MoneyOS

[App page](https://appshunter.io/ios/app/moneyos-expense-tracker/id6796755497)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is SpendWise free?

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

### Is MoneyOS free?

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

### Do SpendWise or MoneyOS have ads?

SpendWise shows ads; MoneyOS does not.

### Which is updated more often, SpendWise or MoneyOS?

SpendWise ships an update every 8 days, and MoneyOS every 4 days. Most recently, SpendWise was updated on October 28, 2026 and MoneyOS on October 25, 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.*