Comparison

AI Spend Tracker vs SpendlyGo

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

Head to head
About

AI Spend Tracker

This app analyzes your financial statements by uploading PDFs, using AI to categorize transactions without requiring bank account linking. It provides detailed spending breakdowns and visual charts to help you understand your financial habits. Prioritizes user privacy by processing and deleting statements after analysis.

Highlights
  • AI-powered transaction categorization from PDF statements
  • Spending breakdowns by category, merchant, and card
  • Multi-card tracking
  • Visual spending charts
  • No bank account linking required
  • Privacy-focused statement processing
Read full description

RetroBudget is an AI expense tracker made by one independent developer. I built it around a simple problem: credit card statements contain the answers, but they make it surprisingly hard to understand where your money actually went. Most finance apps want you to connect a bank account. RetroBudget takes a different route. Upload a credit card statement PDF you already have, and RetroBudget turns the transactions into a clear view of your spending without your bank password or live account access. What you can see: • Spending by category, merchant, and card • Recurring charges and monthly spending patterns • Simple charts that make the numbers easier to understand • Live Activity and optional notifications while a statement is processed How it works: 1. Choose a credit card statement PDF 2. AI reads and categorizes the transactions 3. Explore your spending breakdown 4. Delete the statement whenever you’re done Your imported PDF and extracted records remain in your iCloud-backed app storage until you delete the statement. RetroBudget uses Sign in with Apple and does not require bank linking. RetroBudget isn’t built by a big finance company. It’s an independent app I’m making to solve one focused problem well. If it helps you understand your spending a little faster, it’s doing its job. Privacy Policy: https://retrobudget.app/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

SpendlyGo

Features
Read full description

Turn receipts into clean, searchable expense records in seconds. SpendlyGo scans receipts on your iPhone, extracts the important details, and helps you export organized data for bookkeeping, taxes, accounting, and business workflows. Try SpendlyGo with 10 free scans before any subscription is required. SCAN RECEIPTS FAST Capture paper receipts with your iPhone camera or import receipt images and documents. SpendlyGo reads key details such as merchant, date, total, tax, currency, and category, then lets you review and correct fields before saving. ORGANIZE EVERY EXPENSE Keep receipts searchable and structured on iOS. Add categories, notes, projects, cost centers, and business context so each expense is easier to find later. Search by merchant, amount, date, category, note, or receipt text when preparing reports, taxes, reimbursements, or client records. EXPORT FOR ACCOUNTING Create clean CSV exports with receipt fields such as merchant, date, total, tax, category, currency, and notes. Generate PDF summaries with receipt images for review and recordkeeping. Create ZIP bundles with images and metadata when you need a complete archive. CONNECT YOUR WORKFLOW SpendlyGo is built for people who need receipts to move into real finance workflows. Use exports for spreadsheets, bookkeeping tools, accounting software, or ERP imports. Premium users can configure advanced destinations, mappings, and delivery workflows where supported. PRIVACY-FIRST RECEIPT SCANNING Receipt extraction runs on your device by default, helping keep sensitive purchase data under your control. Your receipts can stay stored locally on your iPhone, with optional iCloud sync if you choose. SpendlyGo does not use third-party advertising trackers. FREE PLAN The free version includes: • 10 receipt scans • AI receipt extraction • Receipt review and editing • Basic receipt organization • Local receipt storage SPENDLYGO PREMIUM Upgrade to SpendlyGo Premium to unlock: • Unlimited receipt scans • Advanced CSV, PDF, and ZIP exports • Custom mappings and destinations • Receipt workflow automation features • Full access to premium organization and export tools HOW TO UPGRADE You can upgrade after using your 10 free scans, or anytime from Settings > Subscription inside the app. Tap the Premium plan, confirm with your Apple ID, and Premium features unlock immediately. SUBSCRIPTION PRICING SpendlyGo Premium is available as an auto-renewing subscription: Monthly: CHF 4.99 per month Yearly: CHF 39.99 per year Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current billing period. You can manage or cancel your subscription anytime in iOS Settings > Your Name > Subscriptions. If you cancel, Premium access remains active until the end of the billing period. Your existing receipts remain visible, and future scanning/export access returns to the free-plan limits. SpendlyGo helps freelancers, small businesses, and professionals turn receipt chaos into structured, searchable, accounting-ready records. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

AI Spend Tracker4 screens
SpendlyGo4 screens

Verdict

The call

The clearest difference is update cadence: SpendlyGo at every 10 days against AI Spend Tracker's every 2 months. AI Spend Tracker's advantage is iOS requirement (18.5 vs 26.0). 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. AI Spend Tracker sells 2 in-app purchases, starting at $5.99 per month and SpendlyGo sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

AI Spend Tracker ships an update every 2 months, SpendlyGo every 10 days. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

Scorecard2 real differences · 7 level
AI Spend Tracker versus SpendlyGo: the parameters behind the verdict, then further details
ParameterAI Spend TrackerSpendlyGo
PriceFreeFree
Rating3.0 (2 ratings) — better—
Number of ratings2 — better—
Update frequencyEvery 2 monthsEvery 10 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhoneiPhone
Requires iOS18.5 — better26.0
Further details — not scored
Size21 MB8 MB
Age rating4+4+
DeveloperPushpinder Pal SinghArtan Karrica

In-app purchases

2 purchases

AI Spend Tracker

Subscriptions2
  • Pro$5.991 Month
  • Annual14 Days trial$59.991 Year
2 purchases

SpendlyGo

Subscriptions2
  • SpendlyGo Premium$4.991 Month
  • SpendlyGo Premium$39.991 Year

Questions

Is AI Spend Tracker free?
AI Spend Tracker is free to download, with in-app purchases available.
Is SpendlyGo free?
SpendlyGo is free to download, with in-app purchases available.
Do AI Spend Tracker or SpendlyGo have ads?
Neither AI Spend Tracker nor SpendlyGo shows ads.
Which is updated more often, AI Spend Tracker or SpendlyGo?
AI Spend Tracker ships an update every 2 months, and SpendlyGo every 10 days. Most recently, AI Spend Tracker was updated on October 24, 2026 and SpendlyGo on October 28, 2026.

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