# Summa vs Spendly

The clearest difference is in-app purchases: Spendly at none against Summa's 10. Spendly also leads on update cadence (daily vs every 5 days). Summa's advantage is device support (3 vs 1) and iOS requirement (18.4 vs 26.0). On price and ads there is nothing between them.

Both are free to download. Summa sells 10 in-app purchases, starting at $3.00 per month. Spendly asks for nothing beyond the download.

Summa ships an update every 5 days, Spendly daily. The most recent releases landed on November 5, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Summa | Spendly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/summa-budget-expense-tracker/id6746765324/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 5 days | **Daily** |
| Monetization | Freemium | — |
| Size | 201 MB | 6 MB |
| Requires iOS | **18.4** | 26.0 |
| Devices | **iPhone, iPad, Mac** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Strata Veritate LLC](https://appshunter.io/developer/1818399397) | [Muayad Haddad](https://appshunter.io/developer/1895079630) |

## What reviewers say

### Summa

[App page](https://appshunter.io/ios/app/summa-budget-expense-tracker/id6746765324)

This app helps you manage your finances by tracking expenses, budgeting, and monitoring investments. It features an AI assistant for personalized insights and allows for shared finances with family. Secure and private, it aims to improve your financial health.

**Highlights:** AI money assistant, Automatic expense tracking, Shared budgeting for families, Bill and subscription alerts, Net worth and investment tracking, Savings goal setting, Financial health scoring

**Features:** Vision Pro support, iPhone Duo support

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro + Connect Monthly | $3.00 | per month |
| Pro + Connect Monthly | $9.99 | per month |
| Pro + Connect Monthly | $9.99 | per month |
| Pro + Connect Annual | $30.00 | per year |
| Pro Annual | $49.99 | per year |
| Pro Annual | $49.99 | per year |
| Pro + Connect Annual | $79.99 | per year |
| Pro + Connect Annual | $79.99 | per year |
| Pro Lifetime | $89.99 | one-time |
| Pro Lifetime | $124.99 | one-time |


### Spendly

[App page](https://appshunter.io/ios/app/spendly-budget-tracker/id6762925233)

**In-app purchases:** none


## Frequently asked questions

### Is Summa free?

Summa is free to download, with in-app purchases available.

### Is Spendly free?

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

### Do Summa or Spendly have ads?

Neither Summa nor Spendly shows ads.

### Which is updated more often, Summa or Spendly?

Summa ships an update every 5 days, and Spendly daily. Most recently, Summa was updated on November 5, 2026 and Spendly on October 25, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*