Spending Tracker vs Checkbook Register
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spending Tracker
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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
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.
- 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)
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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
Verdict
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
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.
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.
| Parameter | Spending Tracker | Checkbook Register |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (6 ratings) — better |
| Number of ratings | — | 6 — better |
| Update frequency | Every 3 months | Every 11 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | — | Freemium |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 49 MB | 45 MB |
| Age rating | +4 | 4+ |
| Developer | Constantin Ginga | Zafar Ivaev |
In-app purchases
Spending Tracker
- Sumi Pro - Weekly3 Days trial$1.997 Days
- Sumi Pro - Annual$24.991 Year
- Sumi Pro - Lifetime$14.99
Checkbook Register
- LedgerFlow Pro3 Days trial$4.997 Days
- LedgerFlow Pro$29.991 Year
Questions
Is Spending Tracker free?
Is Checkbook Register free?
Do Spending Tracker or Checkbook Register have ads?
Which is updated more often, Spending Tracker or Checkbook Register?
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