# Spending Tracker vs Pony Up

Spending Tracker and Pony Up are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Spending Tracker sells 2 in-app purchases, starting at $2.99 per month and Pony Up sells 5 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

## The numbers

| Metric | Spending Tracker | Pony Up |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (6 ratings)](https://appshunter.io/ios/app/pony-up-split-and-budget/id6777123091/reviews)** |
| Number of ratings | — | **6** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | — | Every 3 weeks |
| Monetization | — | Free with in-app purchases |
| Size | 38 MB | 93 MB |
| Requires iOS | 17.6 | **16.4** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 12+ | 4+ |
| Developer | [Rene Weinhold](https://appshunter.io/developer/1650465549) | [Nathan Hintz](https://appshunter.io/developer/6777123093) |

## What reviewers say

### Spending Tracker

[App page](https://appshunter.io/ios/app/spending-tracker-splitbudget/id6749616321)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SplitBudget Pro (Monthly) | $2.99 | per month |
| SplitBudget Pro (1 Year) | $17.99 | per year |


### Pony Up

[App page](https://appshunter.io/ios/app/pony-up-split-and-budget/id6777123091)

This finance app offers a private, customizable toolkit for managing your money. It allows you to split bills, create budgets, track subscriptions, and plan debt payoff without monthly fees or ads. Users can choose individual tools or bundles, with one module offered free.

**Highlights:** Split bills with friends, Build private budgets, Track subscriptions and bills, Create debt payoff plans, Customizable dashboard, Private data storage

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Bill Splitter Module | $0.99 | one-time |
| Budgeting Module | $0.99 | one-time |
| Bills & Subscriptions Module | $0.99 | one-time |
| Debt Planner Module | $0.99 | one-time |
| 3 Modules Bundle | $1.99 | one-time |


## Frequently asked questions

### Is Spending Tracker free?

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

### Is Pony Up free?

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

### Do Spending Tracker or Pony Up have ads?

Neither Spending Tracker nor Pony Up shows ads.

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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.*