Vaultam vs Spending Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Vaultam
Manage your personal finances with a powerful, offline ledger. Create smart budgets, track savings goals, and gain insights into spending patterns with AI. Log receipts, manage loans, and never miss a payment with automated reminders.
- Offline storage and local backups
- AI-powered spending insights
- Smart budgeting based on income
- Progress tracking for savings goals
- Automated bill and subscription reminders
- Receipt scanning
- Lending and borrowing tracking
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No accounts. No banks. No tracking. Just you, your money, and clarity. With Vaultam, you can: • Stay in control with one clear dashboard. • Create smart budgets based on your income. • Save for trips, gifts, and big purchases with progress tracking. • Discover spending patterns instantly with AI-powered insights. • Log receipts in seconds with a simple scan. • Track lending & borrowing between friends with ease. • Never miss a bill, salary, or subscription with automated reminders. • Keep everything secure with offline storage and local backups. Vaultam isn’t just another finance app. It’s a ledger reimagined for today — simple, powerful, and 100% offline. Your money, your rules. Always private. Always smart. Always with you. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://vaultam.app/privacy
Spending Tracker
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Money tracking shouldn’t feel like homework. Meet Zoe, an AI-powered expense tracker built with Apple Intelligence that understands how you naturally write. Just type something like: “Dinner ₹550 with friends” Zoe instantly converts it into a clean, structured expense — no forms, no friction. Track expenses your way Zoe is designed to feel effortless, fast, and human. • Write expenses in plain text • Let Apple Intelligence extract amount, category, and context • Stay aware of your spending without manual effort Smart weekly insights Understand your money at a glance. • Weekly spending charts • AI-generated weekly summaries • Clear insights into where your money goes • No spreadsheets, no confusion Works seamlessly with iOS Zoe fits perfectly into your Apple ecosystem. • Siri integration — add expenses using your voice • Shortcuts support — log expenses in seconds • Home Screen widgets — track spending at a glance • Built with privacy and on-device intelligence in mind Zoe offers optional auto-renewable subscriptions to unlock Pro features. Payment will be charged to your Apple ID at confirmation of purchase. Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period. Zoe_Pro_Weekly: Unlocks Pro Features for a Week $0.99 Zoe_pro_Monthly: Unlocks Pro Features for a Month $2.99 Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy policy: https://scented-freeze-970.notion.site/Zoe-Privacy-Policy-2e52f5789df080d79cf8fdd42dca3b7f
Screenshots
Verdict
The clearest difference is device support: Vaultam at 3 against Spending Tracker's 1. Vaultam also leads on iOS requirement (15.1 vs 26.0). On price, update cadence, ads and in-app purchases 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. Vaultam sells 2 in-app purchases, starting at $3.99 per month and Spending Tracker sells 2 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.
Vaultam ships an update every 11 days, Spending Tracker every 9 days. The most recent releases landed on October 30, 2026 and October 28, 2026 respectively.
| Parameter | Vaultam | Spending Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 11 days | Every 9 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 26.0 |
| Further details — not scored | ||
| Size | 30 MB | 67 MB |
| Age rating | 4+ | 4+ |
| Developer | MAYDAY APP | Kushal Parekh |
In-app purchases
Vaultam
- 1-Month Pro$3.991 Month
- 1-year$39.991 Year
Spending Tracker
- Pro_Weekly$0.997 Days
- Pro_Monthly$2.991 Month









