Budget Simple vs Loantrack
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
Budget Simple
Effortlessly track expenses by snapping photos of receipts. Visualize spending with clear charts, set savings goals, and gamify your budgeting with streaks and XP. Share progress with friends for accountability.
- AI receipt scanning
- Visual spending breakdowns
- Savings goal setting
- Gamified budgeting (streaks, XP)
- Shared budgeting
- Recurring transaction management
- Data export
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Budget Simple. โ Finally, a budgeting app you'll actually use. Track your money without the spreadsheet. A calm new design, a chat that knows your spending, and the small habits that make a budget stick. What makes Budget Simple different: 1. A calmer way to look at your money Home, Calendar, Insights, and Profile have been redesigned. Clear type, your category colors, and one consistent green. See what's left this month without a finance degree. 2. Ask about your own spending Open the chat on Insights and ask where the money went, what a category cost, or what is worth cutting back. Suggested questions are right there. The chat is part of Premium. The charts are free. 3. Snap a receipt, skip the typing Point your camera at a receipt. Smart Import reads it, categorizes it, and can leave out lines you don't want, like a card payment. 4. Set goals, watch them grow Saving for something? Create a goal, contribute automatically, and see the progress build. 5. Build streaks, earn XP Log a transaction, or check in on a no-spend day. Achievements make the habit easier to keep. 6. Share with friends Compare spending, stay accountable, and push each other toward a goal. 7. Recurring transactions, handled Rent, paychecks, subscriptions. Set them once. They land on the right day, including the end of the month. 8. Reminders that sound like a person A morning check-in says good morning. A bill and a paycheck are not described the same way. 9. Export anytime Download your data as a spreadsheet whenever you need it. Export is part of Premium. Budget Simple is for students, freelancers, couples, or anyone tired of complicated finance apps. No ads. No selling your data. Just a cleaner way to understand your money. Subscription Terms: Budget Simple Premium unlocks the spending chat, unlimited Smart Import, and export. Length: 1 month (auto-renewable) Price: Shown in your local currency on the App Store Auto-renewal: Renews unless you cancel at least 24 hours before the current period ends Manage or cancel anytime in your App Store account settings By subscribing, you agree to our: Terms of Use: https://budget-simple.com/terms Privacy Policy: https://budget-simple.com/privacy
Loantrack
This app provides a clear and structured way to manage money lent and borrowed, whether personal or institutional. It features a clean interface to track balances, payments, and dates, with options for logging payments, charging interest, and setting reminders. Your data remains private on your device with optional iCloud backup and app locking.
- Track lent and borrowed money separately
- Running totals for owed and owing
- Log payments and track progress
- Charge interest (monthly, flat, reducing)
- Set payment reminders
- Archive finished loans
- Face ID app lock
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Managing loans shouldn't be complicated. Loantrack gives you a clear, structured way to track money you've lent and money you've borrowed โ personal or institutional. Rebuilt for iOS 26, with a clean Apple-native interface that keeps you on top of balances, payments and dates. No distractions, no clutter. BOTH DIRECTIONS, ALWAYS CLEAR - Every loan in one place, lent and borrowed kept firmly apart - Running totals for what you're owed and what you owe - Group loans by person or institution and see one balance for each - A progress bar on every loan, so you can see how far along it is at a glance LOANS THAT CHANGE - Log a payment in seconds and watch the balance come down - Lend more on an existing loan with top-ups โ no starting over - Charge interest monthly, flat rate or on the reducing balance - A clear, automatic history of everything that has happened NOTHING SLIPS - Set a reminder for the day and time you choose - Tap it to open the loan it's about - Archive finished loans to put them away without losing them - Recently Deleted holds anything you remove until you say otherwise YOURS ALONE - No account, no sign-up, no tracking, nothing sent to us - Your loans live on your phone - Turn on iCloud backup and get everything back on a new phone - Lock the whole app behind Face ID BUILT FOR iOS 26 - Light and dark โ follow your phone or choose - Every widely used world currency - Fast, native, and free of ads Whether it's a personal loan, a shared expense or bank credit, Loantrack keeps it clear, organised and under control.
Screenshots
Verdict
The clearest difference is in-app purchases: Loantrack at none against Budget Simple's 1. Budget Simple's advantage is iOS requirement (17.6 vs 26.0). On price, review sentiment, update cadence and ads there is nothing between them.
Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS
Both are free to download. Budget Simple sells 1 in-app purchase, starting at $3.99 per month. Loantrack asks for nothing beyond the download.
Budget Simple ships an update fortnightly, Loantrack every 10 days. The most recent releases landed on October 24, 2026 and October 16, 2026 respectively.
| Parameter | Budget Simple | Loantrack |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Update frequency | Fortnightly | Every 10 days โ better |
| Ads | No | No |
| In-app purchases | Yes | No โ better |
| Monetization | Free with in-app purchases | Free โ better |
| Devices | iPhone, iPad โ better | iPhone |
| Requires iOS | 17.6 โ better | 26.0 |
| Further details โ not scored | ||
| Size | 11 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | Zichen Liu | Sukhjinder Singh |
Customer experience
Budget Simple
Loantrack
In-app purchases
Budget Simple
- Simple. Premium$3.991 Month
Loantrack
No in-app purchases
Questions
Is Budget Simple free?
Is Loantrack free?
Do Budget Simple or Loantrack have ads?
Which is updated more often, Budget Simple or Loantrack?
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