Comparison

Spending Tracker vs Checkbook Register

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

Head to head
About

Spending Tracker

Features
Read full description

Sumi automatically tracks your spending, and converts foreign charges to your main currency, so you can save more without the stress. Why you’ll love Sumi: - Save time. Auto-track purchases with Apple Pay while Sumi categorizes and logs them in the background, or add transactions manually in a few quick taps. - Feel confident. See exactly where your money goes by day, category, or month with clear charts and daily averages. - Travel carefree. Foreign transactions are auto-converted to your main currency using current exchange rates. - Stay in control. Set overall or per-category budgets and get gentle nudges before you overspend. - Hands-free recurring tracking. Create recurring payments once, and Sumi will log them automatically each billing cycle. Key features: - Auto-track transactions — Pay with Apple Pay and Sumi assigns categories, converts amounts to your main currency, and logs expenses automatically; manual entry is fast and easy. - Auto-convert foreign currencies — Track purchases abroad and see them converted to your main currency using up-to-date exchange rates. - Budgets that work — Create global or category budgets and monitor progress so you’re never surprised. - Subscriptions & recurring payments — Detect and track subscriptions; set recurring payments and Sumi logs them each cycle. - Insightful charts — Visualize spending versus income, category breakdowns, daily averages, and trends over time. Start using Spending Tracker: Sumi to understand where your money goes, make smarter choices, and move toward your financial goals with confidence. Sumi Pro: Unlock all features of Sumi: track expenses and income in multiple currencies with automatic conversion to your main currency. All prices below are in USD and may vary by region. Pricing and offers are subject to change. - Pro Weekly: $1.99/week, 3-day free trial, auto-renews weekly. - Lifetime: one-time $14.99. Terms of Use: https://sumi.constantout.com/terms Privacy Policy: https://sumi.constantout.com/privacy

About

Checkbook Register

Manually track your income, expenses, and account balances without linking to a bank. Organize your finances, maintain an accurate checkbook, and gain complete control over your money. Ideal for personal budgeting, household management, and small business bookkeeping.

Highlights
  • Manual income and expense tracking
  • Account balance management
  • Category-based spending organization
  • Transaction search functionality
  • Data backup and CSV export
  • No bank account linking required
  • Recurring transaction scheduling (Pro)
Features
Read full description

Track your income, expenses, and account balances with LedgerFlow — a personal finance and checkbook register app designed for people who want complete control over their money without linking a bank account. Manage your finances manually, maintain an accurate checkbook, and know exactly where your money goes each month. Whether you are tracking household expenses or managing multiple accounts, LedgerFlow works as a reliable personal ledger and budget manager. From logging a single expense to managing recurring bills, everything stays organized in one place. FREE FEATURES • Checkbook Register – Track income, expenses, and transfers with a running balance • 2 Accounts – Manage checking, savings, credit, and cash accounts • Category Breakdown – Organize spending by category • Smart Search – Find any transaction by payee, amount, category, or date • Backup & Restore – Export a full backup and restore it anytime • CSV Export – Export your register to CSV for spreadsheets or accounting software • No Bank Login Required – Your data stays on your device, completely private LEDGERFLOW PRO (subscription required) • Unlimited Accounts – Add as many accounts as you need beyond the free two • Recurring Transactions – Schedule bills, subscriptions, and paychecks to post automatically • Monthly Reports – Visual charts showing income vs. expenses and top spending categories • Receipt Attachment – Attach photos of receipts directly to transactions • Advanced Reconciliation – Reconcile against bank statements with full history • Custom Categories – Create your own categories with custom icons LedgerFlow Pro is available as a weekly or yearly subscription. Payment is charged to your Apple ID account. Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. You can manage and cancel subscriptions in your App Store account settings. Perfect for: • Personal expense and budget tracking • Household and family checkbook management • Freelance and small business bookkeeping • Rental income and property expense tracking • Anyone switching from a paper ledger or notebook register Terms of Use: https://checkbook-register.lovable.app/terms Privacy Policy: https://checkbook-register.lovable.app/privacy

Screenshots

Spending Tracker4 screens
Checkbook Register4 screens

Verdict

The call

The clearest difference is update cadence: Checkbook Register at every 11 days against Spending Tracker's every 3 months. On price, ads, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Spending Tracker sells 3 in-app purchases, starting at $1.99 per 7 days and Checkbook Register sells 2 in-app purchases, starting at $4.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Spending Tracker ships an update every 3 months, Checkbook Register every 11 days. The most recent releases landed on October 10, 2026 and October 22, 2026 respectively.

Scorecard1 real difference · 8 level
Spending Tracker versus Checkbook Register: the parameters behind the verdict, then further details
ParameterSpending TrackerCheckbook Register
PriceFreeFree
Rating—5.0 (6 ratings) — better
Number of ratings—6 — better
Update frequencyEvery 3 monthsEvery 11 days — better
AdsNoNo
In-app purchasesYesYes
Monetization—Freemium
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.615.1 — better
Further details — not scored
Size49 MB45 MB
Age rating+44+
DeveloperConstantin GingaZafar Ivaev

In-app purchases

3 purchases

Spending Tracker

Subscriptions2
  • Sumi Pro - Weekly3 Days trial$1.997 Days
  • Sumi Pro - Annual$24.991 Year
One-time1
  • Sumi Pro - Lifetime$14.99
2 purchases

Checkbook Register

Subscriptions2
  • LedgerFlow Pro3 Days trial$4.997 Days
  • LedgerFlow Pro$29.991 Year

Questions

Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Is Checkbook Register free?
Checkbook Register is free to download, with in-app purchases available.
Do Spending Tracker or Checkbook Register have ads?
Neither Spending Tracker nor Checkbook Register shows ads.
Which is updated more often, Spending Tracker or Checkbook Register?
Spending Tracker ships an update every 3 months, and Checkbook Register every 11 days. Most recently, Spending Tracker was updated on October 10, 2026 and Checkbook Register on October 22, 2026.

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