Comparison

SpendLimit vs My Financial Notes

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

Head to head
About

SpendLimit

Manage your finances offline with this expense tracker. It uses AI-powered OCR to scan receipts, automatically extracting details like amounts and categories. Set budget limits and monitor spending trends without needing an internet connection.

Highlights
  • Offline expense tracking
  • AI-powered OCR receipt scanning
  • Smart budget setting and monitoring
  • Spending summaries and trends
  • No sign-up required
Features
Read full description

Take control of your budget with SpendLimit, a privacy-first spending tracker that helps you stay on top of expenses. Snap a receipt and smart scanning helps extract the details, or add spending manually. Why Choose SpendLimit? 1. Privacy-First Records - Your budgets and transactions are stored locally on your device. 2. Smart Receipt Scanning - Detect amounts, dates, merchants, and categories. 3. Budget Tracking - Set limits and monitor your spending. 4. Optional AI Assistance - Get smarter receipt extraction and spending insights when enabled. 5. No Sign-Up Required - Just install and start tracking. Core expense tracking works offline. Optional AI features require internet access and process the content needed to provide the requested result. Terms of service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

My Financial Notes

Features
Read full description

My Financial Notes helps you track expenses, manage accounts, monitor budgets and understand your financial habits. Features: - Multiple accounts including Bank, Cash, E-Wallet, Credit Card and Investment accounts - Income, Expense and Transfer tracking - Multicurrency Support, automatically convert your expenses abroad to your default currency - Budget planning and spending control - Financial reports and insights - Recurring transactions - Voice transaction entry - Location-based transaction records - Secure PIN protection - Privacy-focused design Powerful Tools - Net Worth โ€” track assets & liabilities - Subscriptions โ€” see all recurring payments at a glance - Split Bill โ€” divide expenses with friends instantly - Health Score โ€” get a real-time financial rating - Debt Tracker โ€” track money lent or borrowed - Loan Calculator โ€” plan installments & repayment schedule Whether you're managing personal finances, family expenses or business spending, My Financial Notes helps you stay organized and in control. Privacy Policy: https://myfinancialnotes.app/privacy-policy.html Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

SpendLimit4 screens
My Financial Notes4 screens

Verdict

The call

SpendLimit and My Financial Notes are too close to call on the numbers: across 6 compared parameters โ€” price, update cadence, ads and in-app purchases among them โ€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. SpendLimit sells 2 in-app purchases, starting at $4.99 per month and My Financial Notes sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

SpendLimit ships an update every 11 days, My Financial Notes weekly. The most recent releases landed on October 5, 2026 and October 7, 2026 respectively.

ScorecardNo meaningful differences
SpendLimit versus My Financial Notes: the parameters behind the verdict, then further details
ParameterSpendLimitMy Financial Notes
PriceFreeFree
Positive reviews100.0% of reviewsโ€”
Update frequencyEvery 11 daysWeekly โ€” better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesโ€”
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.0 โ€” better18.6
Further details โ€” not scored
Size28 MB19 MB
Age rating4+4+
DeveloperRobihamanto RobihamantoHartanto Salim

In-app purchases

2 purchases

SpendLimit

Subscriptions2
  • Monthly2 variants$4.991 Month
  • Yearly2 variants$49.991 Year
2 purchases

My Financial Notes

Subscriptions2
  • My Financial Notes Premium$1.991 Month
  • My Financial Notes Premium (Yearly)$17.991 Year

Questions

Is SpendLimit free?
SpendLimit is free to download, with in-app purchases available.
Is My Financial Notes free?
My Financial Notes is free to download, with in-app purchases available.
Do SpendLimit or My Financial Notes have ads?
Neither SpendLimit nor My Financial Notes shows ads.
Which is updated more often, SpendLimit or My Financial Notes?
SpendLimit ships an update every 11 days, and My Financial Notes weekly. Most recently, SpendLimit was updated on October 5, 2026 and My Financial Notes on October 7, 2026.

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