Budget app & spending tracker vs Velo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Budget app & spending tracker
This app helps you take control of your finances by manually tracking every dollar spent and earned. Visualize your spending habits with charts, set up custom categories, and manage recurring bills. It prioritizes your privacy with no forced sign-ups.
- Manual expense and income logging
- Visual spending insights and charts
- Customizable categories
- Recurring transaction management
- Calendar view of transactions
- Privacy-focused, no forced sign-up
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Type “coffee 5” and you’re done. Budgy files it under the right category, a coin drops into your cat bank, and the cat winks back. A cute, simple budget app for anyone who wants to know where their money goes, without bank logins or spreadsheets. ONE LINE, DONE • Type what you bought and how much: “lunch 12” • Log a few at once: “coffee 4.5, bagel 3” • Forgot yesterday? “yesterday taxi 18” • Income gets a plus: “salary +3000” • See the category before you save. Tap it to change it, and Budgy remembers next time. BILLS & SUBSCRIPTIONS, LOGGED FOR YOU • Add rent, Netflix or the phone bill once, and Budgy logs it on the day • Or type it in one line: “Netflix 15.49 monthly” • See what’s left to pay this month; your daily budget sets it aside • Installment plans end by themselves, and a reminder can come the day before A CAT STAMP FOR EVERY DAY • Your calendar fills with cat stamps: a smile on budget, a gold coin on no-spend days • Switch to plain numbers whenever you like • Search every note and category BUDGETS THAT MAKE SENSE • Set a monthly budget and see what’s left, plus how much you can spend each day • Add budgets for the categories you care about • Insights show where it all went, by category and month by month YOUR MONTH AS A RECEIPT • A cute receipt of your month, ready to share, with or without the amounts LITTLE WINS • Your cat cheers you on with a little word now and then • Streaks count every day you check in, even when you spend nothing • Your cat celebrates 7, 30 and 100 days, months under budget and no-spend days MAKE IT YOURS • Three themes: Lavender Milk, Peach Latte and Mint Cream • Nine app icons, dark mode and logging sounds LOG WITHOUT OPENING THE APP • Home Screen and Lock Screen widgets • Siri: “Log an expense in Budgy” • A Control Center button that also works with the Action button YOUR DATA STAYS YOURS • No account, no sign-up, no ads • Entries live on your iPhone and in your own iCloud, synced across your devices • Works offline, in any currency FREE TO START Your first 20 entries are free. After that, go Premium monthly, or pay once and keep it for good. • Unlimited entries • Every theme and app icon • Export all your data to CSV • All future updates included The monthly plan renews automatically until you cancel. You can cancel anytime in your Apple Account settings. Budgy is made by Minho & Winnie, two indie makers building apps from tropical cafés. Questions or ideas? Write to us anytime: mangolab120@gmail.com Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.mangolab.app/budgy/privacy-policy
Velo
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Budgeting shouldn't feel like a second job. Meet Velo: the smartest, fastest way to master your money using a conversational chat interface. WHY VELO? Skip the complex forms and endless menus of traditional trackers. Velo is built for speed. Just type "Lunch 15" or "Salary 3000" and let Velo handle the rest. No complex forms, no endless clicking—just simple, fast tracking. KEY FEATURES: CHAT-BASED TRACKING: Log expenses and incomes in seconds using our intuitive conversational UI. CUSTOM FINANCIAL MONTH: Don't get paid on the 1st? No problem. Set your own start date for analytics that actually match your life. POWERFUL ANALYTICS: Visualize where your money goes with sleek, easy-to-read charts and trend reports. OFFLINE-FIRST PRIVACY: Your data stays on YOUR device. Velo works perfectly without an internet connection, keeping your finances 100% private. FLEXIBLE SPENDING GOALS: Take control with category-specific limits. Whether it's a daily coffee budget, a weekly grocery cap, or a monthly rent goal, Velo keeps you on track with real-time progress. DATA EXPORT: Unlock Velo Pro to export your history to CSV for professional accounting or personal backups. Stop overthinking your spending. Download Velo and start budgeting at the speed of chat. Privacy policy : https://sites.google.com/view/velo-app/ Terms of Use : https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is ads: Budget app & spending tracker at none against Velo's shown. Velo's advantage is update cadence (every 10 days vs every 6 months) and iOS requirement (15.6 vs 17.0). On price, 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
Both are free to download. Budget app & spending tracker sells 4 in-app purchases, starting at $2.99 per month and Velo sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.
Budget app & spending tracker ships an update every 6 months, Velo every 10 days. The most recent releases landed on November 7, 2026 and November 5, 2026 respectively.
| Parameter | Budget app & spending tracker | Velo |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (1 ratings) — better | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 6 months | Every 10 days — better |
| Ads | No — better | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | — |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 17.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 20 MB | 88 MB |
| Age rating | 4+ | 4+ |
| Developer | Thi Quynh Nhu Phan | vimukthi Madhusanka |
In-app purchases
Budget app & spending tracker
- Monthly Premium$2.991 Month
- Yearly Premium3 Days trial$9.991 Year
- Yearly Premium$14.991 Year
- Budgy Lifetime$19.99
Velo
- Velo Monthly Premium$2.991 Month
- Annual Premium$19.991 Year
Questions
Is Budget app & spending tracker free?
Is Velo free?
Do Budget app & spending tracker or Velo have ads?
Which is updated more often, Budget app & spending tracker or Velo?
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