Comparison

Perqly vs Spending Tracker

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

Head to head
About

Perqly

This app helps you maximize credit card benefits by tracking rewards, expiration dates, and progress. It covers over 200 cards from major banks and keeps all your data private on your device.

Highlights
  • Tracks 200+ credit cards
  • Maximizes card benefits
  • Visual benefit progress bars
  • Calendar sync with alerts
  • Total privacy, no account linking
  • Custom categories and search
Features
Read full description

# NEVER MISS A CREDIT CARD BENEFIT AGAIN Stop leaving money on the table. Perqly tracks every credit card benefit so you maximize every dollar. ## WHAT YOU GET **200+ CARDS COVERED** Chase, Amex, Capital One, Citi, and 12 more major banks **SMART TRACKING** • Visual progress bars for all benefits • Calendar sync with expiration alerts • Custom categories and search **TOTAL PRIVACY** No account linking. All data stays on your device. ## PERFECT FOR Travel hackers • Card churners • Rewards optimizers Download Perqly today.

About

Spending Tracker

Easily track your daily expenses and manage your budget without feeling overwhelmed. Visualize your spending habits with colorful breakdowns and set category limits to save for your goals. Get a clear financial picture with quick, friendly insights.

Highlights
  • Track daily expenses
  • Stay on budget
  • Visualize spending categories
  • Save for goals
  • Home screen widgets
  • Manage recurring charges
Features
Read full description

Mochi Money. Track spending, stay on budget, save more. Managing money is stressful. MochiMoney makes it easy. Tap in your morning coffee. See where this month's money actually went. Hit the end of the month with something left over, for once. That's the whole pitch. Most budgeting apps treat you like an accountant. Mochi treats you like a person. It's the friendly little tracker you'll actually open every day, because it takes ten seconds and never makes you feel bad. What Mochi helps you do: Stop wondering where your money went. Every coffee, ride, and impulse buy goes in with a few taps. By the end of the month, you swap "I have no idea" for a clear picture you can act on. See your spending in colour. A simple, beautiful breakdown shows which categories are eating your paycheck. Groceries, dining, subscriptions. It's all right there. No spreadsheets. No math. Stay on budget without thinking about it. Set a monthly limit per category once, then let Mochi quietly mind the gap. You'll know you're getting close before you blow past it, not after. Save up for the things you actually want. Make wallets for the trip to Japan, the first car, the moving-out fund. Watch the progress bars grow. Feel that little hit of "I'm doing it" every time you put money aside. Glance, don't dig. Pin Mochi widgets to your home screen and see your balance, your budget, and your top spending without even unlocking the app. Money clarity in a single glance. Never get blindsided by a recurring charge. Log your subscriptions and bills once. Mochi remembers the rest, so future you doesn't get that "wait, what?" moment on payday. Built for real people, not finance nerds You don't need to learn Mochi. There's no setup wizard, no jargon, no judgment. It's quick, it's friendly, it's a little bit cute. Within a week, you'll actually understand your money for the first time. Saving for your first apartment? Trying to stop bleeding cash on takeout? Just want to feel less anxious when your phone buzzes with a bank notification? Mochi's got you. Take a breath. Tap a few buttons. Take control. Download Mochi Money and start a softer, smarter relationship with your money today.

Screenshots

Perqly4 screens
Spending Tracker4 screens

Verdict

The call

The clearest difference is in-app purchases: Perqly at none against Spending Tracker's 1. Perqly also leads on iOS requirement (16.1 vs 26.2). On price, rating, ratings volume and update cadence 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. Spending Tracker sells 1 one-off in-app purchase. Perqly asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Perqly against 5.0 for Spending Tracker. Both are backed by a comparable volume of ratings — 2 and 1 respectively.

UpkeepUpdate frequency

Perqly ships an update fortnightly, Spending Tracker monthly. The most recent releases landed on October 12, 2026 and October 16, 2026 respectively.

Scorecard3 real differences · 7 level
Perqly versus Spending Tracker: the parameters behind the verdict, then further details
ParameterPerqlySpending Tracker
PriceFreeFree
Rating5.0 (2 ratings)5.0 (1 ratings)
Positive reviews—100.0% of reviews
Number of ratings2 — better1
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhoneiPhone, iPad — better
Requires iOS16.1 — better26.2
Further details — not scored
Size69 MB20 MB
Age rating4+4+
DeveloperPerqly LLCPratish Shrestha

Customer experience

Perqly

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Spending Tracker

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Perqly

No in-app purchases

1 purchases

Spending Tracker

One-time1
  • Mochi Money Pro$12.99

Questions

Is Perqly free?
Perqly is free to download, with no in-app purchases.
Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Which has better reviews, Perqly or Spending Tracker?
Perqly and Spending Tracker are both rated 5.0 out of 5 on the App Store, from 2 and 1 ratings respectively.
Do Perqly or Spending Tracker have ads?
Neither Perqly nor Spending Tracker shows ads.
Which is updated more often, Perqly or Spending Tracker?
Perqly ships an update fortnightly, and Spending Tracker monthly. Most recently, Perqly was updated on October 12, 2026 and Spending Tracker on October 16, 2026.

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