# Perqly vs Spending Tracker

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.

Both are free to download. Spending Tracker sells 1 one-off in-app purchase. Perqly asks for nothing beyond the download.

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.

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

## The numbers

| Metric | Perqly | Spending Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/perqly/id6749399477/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/spending-tracker-mochimoney/id6758917375/reviews) |
| Number of ratings | **2** | 1 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 69 MB | 20 MB |
| Requires iOS | **16.1** | 26.2 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Perqly LLC](https://appshunter.io/developer/1830084823) | [Pratish Shrestha](https://appshunter.io/developer/1756880914) |

## What reviewers say

### Perqly

[App page](https://appshunter.io/ios/app/perqly/id6749399477)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Spending Tracker

[App page](https://appshunter.io/ios/app/spending-tracker-mochimoney/id6758917375)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Mochi Money Pro | $12.99 | one-time |


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