Comparison

Spendly vs Okaro

Price, ratings, monetisation and update history for both apps, side by side — 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: • Complete Privacy - Your financial data stays on your device • Multi-Currency Support - Track expenses in 150+ currencies with live exchange rates • Smart Categories - 3-level organization system for detailed expense tracking • Works Offline - No internet required, perfect for travel and daily use Core Features: Expense Tracking & Budget Management • Quick expense entry with smart categorization • Budget planning and spending analysis • Account management across multiple wallets and cards • Transfer tracking between accounts Analytics & Insights • Visual charts and spending reports • Monthly/yearly financial summaries • Category-based expense analysis • Currency conversion tracking Data Control & Export • Secure local data storage (no cloud required) • Complete backup and restore functionality • Your data belongs to you, not us Perfect For: • Travelers managing multiple currencies • Privacy-conscious users who want offline tracking • Users wanting flexible pricing options • Students and families on a budget Technical Excellence: • 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 • Clean, intuitive interface designed for daily use • Fast performance with instant data access • 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 — https://codestreamly.com/app/spendly/terms-and-conditions Cookie Policy — https://codestreamly.com/app/spendly/cookie-policy Privacy Policy — https://codestreamly.com/app/spendly/privacy-policy Account Deletion — 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

Okaro

Features
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【 The Ultimate Expense Tracker for Global Shoppers & Travelers 】 Why choose Okaro? Ordinary expense apps handle only one currency, but your life crosses borders. Okaro is designed to bridge the gap between "transaction amount" and "actual billing amount." It is the perfect tool for purchasing agents calculating costs, travelers checking bills, and cross-border shoppers. We go beyond simple budgeting to help you clarify the "True Cost" of every international transaction. 【 Key Features 】 ■ Dual-Currency Precision | No More Exchange Rate Confusion Featuring a unique "Transaction Currency" vs. "Settlement Currency" design. For example: You spent 10,000 JPY in Japan, but your card statement shows $70 USD. Okaro lets you record both, automatically calculating the actual exchange rate for that specific transaction. ■ Card-Centric Design | Manage Multiple Cards with Ease Designed for a cashless lifestyle. Easily manage transactions across multiple credit cards. See exactly how much foreign currency was spent on each card and reconcile your bills effortlessly. ■ AI Smart Scan | Snap & Track Instantly Powered by advanced AI models. Simply take a photo of a receipt to automatically recognize the merchant, date, amount, and currency. Supports complex overseas receipts (English, Japanese, etc.). When speed matters, record your expenses in just one second. ■ Focus on Analytics | Freedom from Budgets We know you care about "where the money went," not being restricted by strict budgets. Visualize your spending footprint with clear pie charts and trend analysis—broken down by country, currency, and category. 【 Perfect For 】 Professional Buyers / Daigou: Accurately track the local price vs. the actual cost in your home currency for every item. Global Travelers: Track expenses on the go without relying on internet connectivity. Cross-Border Shoppers: Manage exchange rate differences and fees across multiple credit cards. Credit Card Enthusiasts: Focus on maximizing rewards and tracking actual spending. Download Okaro today. Make cross-border expense tracking more precise and simple than ever before. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://okaro.harukibox.com/privacy

Screenshots

Spendly4 screens
Okaro4 screens

Verdict

The call

The clearest difference is update cadence: Spendly at every 4 days against Okaro's every 2 weeks. Spendly also leads on device support (3 vs 1) and iOS requirement (13.0 vs 17.0). On price, ads and in-app purchases 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. Spendly sells 1 in-app purchase, starting at $2.99 per month and Okaro sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Spendly ships an update every 4 days, Okaro every 2 weeks. The most recent releases landed on October 28, 2026 and October 21, 2026 respectively.

Scorecard3 real differences · 3 level
Spendly versus Okaro: the parameters behind the verdict, then further details
ParameterSpendlyOkaro
PriceFreeFree
Update frequencyEvery 4 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better17.0
Further details — not scored
Size55 MB26 MB
Age rating4+17+
DeveloperIevgen ChugunovHSIENYU CHU

In-app purchases

1 purchases

Spendly

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

Okaro

Subscriptions2
  • Okaro Monthly Membership$3.991 Month
  • Okaro Annual Membership$39.991 Year

Questions

Is Spendly free?
Spendly is free to download, with in-app purchases available.
Is Okaro free?
Okaro is free to download, with in-app purchases available.
Do Spendly or Okaro have ads?
Neither Spendly nor Okaro shows ads.
Which is updated more often, Spendly or Okaro?
Spendly ships an update every 4 days, and Okaro every 2 weeks. Most recently, Spendly was updated on October 28, 2026 and Okaro on October 21, 2026.

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