Budget Tracker vs Spendli
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
Budget Tracker
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Track every cost and save more money! - Privacy Policy https://yukimiyamoto-project.github.io/app-legal/privacy.html - Terms of Service https://yukimiyamoto-project.github.io/app-legal/terms.html
Spendli
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Spendli makes expense tracking effortless โ whether you're managing daily spending, splitting bills with friends, or tracking costs on a trip abroad. SMART EXPENSE ENTRY Add expenses your way. Point to Shoot receipts and AI registers your expenses. Type naturally with Quick Add ("Starbucks 4.50"), speak hands-free with Voice Add, scan receipts with AI-powered recognition, or use the detailed form for full control. Spendli parses everything automatically. SHARED ROOMS Create persistent/quick rooms for your apartment, trip, or any group. Open sessions within rooms to track rounds of shared spending. Settle up when you're done โ Spendli calculates who owes whom and minimizes the number of transfers needed. SPLITS THAT SETTLE THEMSELVES Split any expense equally, by percentage, by shares, or by exact amounts. Track who's paid and who hasn't. Send payment reminders. Settle via UPI (India) or Venmo, Cash App, and Zelle (US/Canada) โ right from the app. MULTI-CURRENCY & TRAVEL MODE Traveling? Spendli auto-detects your timezone and switches currencies. Track expenses in any currency with real-time exchange rates. Perfect for international trips. BUDGETS & SPENDING MONITORS Set monthly budgets by category. Get alerts when you're approaching your limit. Monitor specific merchants or spending patterns with smart spending monitors. INSIGHTS THAT MATTER Spending DNA breaks down your habits. See where your money goes with category analysis, trend charts, and monthly comparisons. Spend Mood tracks your financial wellness over time. YOUR DATA, YOUR CONTROL All personal information is encrypted on your device with AES-256-GCM before it ever reaches the cloud. No analytics. No ads. No tracking. Export your data anytime. Delete your account instantly. BACKUP YOUR WAY Back up to iCloud Drive, Google Drive, or managed cloud. All backups are encrypted. Restore on any device. FREE TO START Full expense tracking is free forever. Upgrade to Pro for AI features and splits, Premium for shared rooms and budgets, or Ultra for managed AI and cloud sync. โ Spendli is a privacy-first expense tracker with AI receipt scanning, bill splitting, shared rooms, trips, budgets, and encrypted backup. Free โข Expense tracking with manual entry (unlimited) โข 450 AI parses per month (Quick Add, Voice Add, Receipt Scanner, Statement Imports) - on top of manual adds โข Local bill splits (up to 5 participants) โข 2 Free permanent rooms (upto 5 members each) - share apartment, trip expenses with each other by creating virtual rooms and chat while you do it. Settle when you want (end of month, end of trip). โข iCloud / Google Drive encrypted backup (local) โข Widget, basic analytics Spendli Plus (paid subscription required) โข 5X AI parsing โ Quick Add, Voice Add, Receipt Scanner โข Spending DNA โ radar charts, heat maps, behavioural clusters โข Budgets & Monitors with live burn-rate alerts (unlimited) โข Shared Rooms and Trips with real-time sync (unlimited) โข Statement Import (Excel / PDF / CSV) (unlimited) โข PDF / CSV report export (unlimited) Spendli Ultra (paid subscription required) โข Everything in Plus โข Managed AI (Google Gemini) โ no setup, no API key - โข Managed Cloud Backup โ encrypted, recoverable on any device, your trips, shared rooms, splits all backed up โข Coming soon to Ultra - Automatic Bank Syncs - worry free spending, Spendli pulls your transactions organizes them for you. Subscription terms Subscriptions auto-renew monthly at the price shown in-app until cancelled. Cancel at any time in Apple ID โ Subscriptions; cancellation takes effect at the end of the current billing period. Payment is charged to your Apple ID on purchase confirmation. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://spendli-app.web.app/privacy.html Questions? Contact customer.support@microvernitech.com
Screenshots
Verdict
The clearest difference is ads: Spendli at none against Budget Tracker's shown. Budget Tracker's advantage is iOS requirement (18.0 vs 26.2). On price, update cadence, in-app purchases and device support 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 Tracker sells 3 in-app purchases, starting at $2.99 per month and Spendli sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.
Both ship on a similar rhythm, roughly every 3 days. The most recent releases landed on September 23, 2026 and September 17, 2026 respectively.
| Parameter | Budget Tracker | Spendli |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 days | Every 3 days |
| Ads | Yes | No โ better |
| In-app purchases | Yes | Yes |
| Devices | iPhone, iPad โ better | iPhone |
| Requires iOS | 18.0 โ better | 26.2 |
| Further details โ not scored | ||
| Size | 6 MB | 36 MB |
| Age rating | 4+ | 4+ |
| Developer | Yuki Miyamoto | Ayush Mishra |
In-app purchases
Budget Tracker
- Ad-Free$2.991 Month
- Recurring Plan$2.991 Month
- One-time Plan$2.99
Spendli
- Spendli Plus Monthly$3.991 Month
- Spendli Ultra Monthly$9.991 Month









