Comparison

Spendly vs Spending Tracker

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

Head to head
About

Spendly

Read full description

Personal Finance Tracker - 7-Day Free Trial Take control of your money with Spendly, the private expense tracker that works completely offline. Try all premium features free for 7 days, then choose your plan. Why Choose Spendly: β€’ Complete Privacy - Your financial data stays on your device β€’ Multi-Currency Support - Track expenses in 150+ currencies with live exchange rates β€’ Smart Categories - 3-level organization system for detailed expense tracking β€’ Works Offline - No internet required, perfect for travel and daily use Core Features: Expense Tracking & Budget Management β€’ Quick expense entry with smart categorization β€’ Budget planning and spending analysis β€’ Account management across multiple wallets and cards β€’ Transfer tracking between accounts Analytics & Insights β€’ Visual charts and spending reports β€’ Monthly/yearly financial summaries β€’ Category-based expense analysis β€’ Currency conversion tracking Data Control & Export β€’ Secure local data storage (no cloud required) β€’ Complete backup and restore functionality β€’ Your data belongs to you, not us Perfect For: β€’ Travelers managing multiple currencies β€’ Privacy-conscious users who want offline tracking β€’ Users wanting flexible pricing options β€’ Students and families on a budget Technical Excellence: β€’ Supports 42 languages including English, Spanish, French, German, Italian, Portuguese, Dutch, Swedish, Norwegian, Danish, Finnish, Polish, Czech, Slovak, Hungarian, Romanian, Turkish, Greek, Ukrainian, Russian, Armenian, Arabic, Hebrew, Hindi, Bengali, Tamil, Thai, Vietnamese, Chinese, Japanese, Korean, Indonesian, Malay, Filipino, Swahili, Hausa, Igbo, Yoruba, Croatian, Lingala, Setswana β€’ Clean, intuitive interface designed for daily use β€’ Fast performance with instant data access β€’ Regular updates with new features 7-Day Free Trial: Experience all premium features completely free for the first week. After trial, continue with monthly subscription for full access. Cancel anytime - your data stays yours. Start managing your finances privately and securely today. Terms of Service β€” https://codestreamly.com/app/spendly/terms-and-conditions Cookie Policy β€” https://codestreamly.com/app/spendly/cookie-policy Privacy Policy β€” https://codestreamly.com/app/spendly/privacy-policy Account Deletion β€” https://codestreamly.com/app/spendly/delete-data-request Contact Us: Any questions? Please contact us at info@codestreamly.com https://codestreamly.com/app/spendly/support

About

Spending Tracker

Features
Read full description

Sumi automatically tracks your spending, and converts foreign charges to your main currency, so you can save more without the stress. Why you’ll love Sumi: - Save time. Auto-track purchases with Apple Pay while Sumi categorizes and logs them in the background, or add transactions manually in a few quick taps. - Feel confident. See exactly where your money goes by day, category, or month with clear charts and daily averages. - Travel carefree. Foreign transactions are auto-converted to your main currency using current exchange rates. - Stay in control. Set overall or per-category budgets and get gentle nudges before you overspend. - Hands-free recurring tracking. Create recurring payments once, and Sumi will log them automatically each billing cycle. Key features: - Auto-track transactions β€” Pay with Apple Pay and Sumi assigns categories, converts amounts to your main currency, and logs expenses automatically; manual entry is fast and easy. - Auto-convert foreign currencies β€” Track purchases abroad and see them converted to your main currency using up-to-date exchange rates. - Budgets that work β€” Create global or category budgets and monitor progress so you’re never surprised. - Subscriptions & recurring payments β€” Detect and track subscriptions; set recurring payments and Sumi logs them each cycle. - Insightful charts β€” Visualize spending versus income, category breakdowns, daily averages, and trends over time. Start using Spending Tracker: Sumi to understand where your money goes, make smarter choices, and move toward your financial goals with confidence. Sumi Pro: Unlock all features of Sumi: track expenses and income in multiple currencies with automatic conversion to your main currency. All prices below are in USD and may vary by region. Pricing and offers are subject to change. - Pro Weekly: $1.99/week, 3-day free trial, auto-renews weekly. - Lifetime: one-time $14.99. Terms of Use: https://sumi.constantout.com/terms Privacy Policy: https://sumi.constantout.com/privacy

Screenshots

Spendly4 screens
Spending Tracker4 screens

Verdict

The call

The clearest difference is update cadence: Spendly at every 4 days against Spending Tracker's every 3 months. Spendly also leads on iOS requirement (13.0 vs 16.6). On price, ads, in-app purchases and device support there is nothing between them.

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Spendly sells 1 in-app purchase, starting at $2.99 per month and Spending Tracker sells 3 in-app purchases, starting at $1.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Spendly ships an update every 4 days, Spending Tracker every 3 months. The most recent releases landed on October 28, 2026 and October 25, 2026 respectively.

Scorecard2 real differences Β· 4 level
Spendly versus Spending Tracker: the parameters behind the verdict, then further details
ParameterSpendlySpending Tracker
PriceFreeFree
Update frequencyEvery 4 days β€” betterEvery 3 months
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPad, iPod β€” betteriPhone, iPad
Requires iOS13.0 β€” better16.6
Further details β€” not scored
Size55 MB49 MB
Age rating4++4
DeveloperIevgen ChugunovConstantin Ginga

In-app purchases

1 purchases

Spendly

Subscriptions1
  • Spendly Lite 1 Month7 Days trial$2.991 Month
3 purchases

Spending Tracker

Subscriptions2
  • Sumi Pro - Weekly3 Days trial$1.997 Days
  • Sumi Pro - Annual$24.991 Year
One-time1
  • Sumi Pro - Lifetime$14.99

Questions

Is Spendly free?
Spendly is free to download, with in-app purchases available.
Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Do Spendly or Spending Tracker have ads?
Neither Spendly nor Spending Tracker shows ads.
Which is updated more often, Spendly or Spending Tracker?
Spendly ships an update every 4 days, and Spending Tracker every 3 months. Most recently, Spendly was updated on October 28, 2026 and Spending Tracker on October 25, 2026.

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