Comparison

YBUD vs Spending Tracker・Buck

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

Head to head
About

YBUD

Features
Read full description

YBUD is the budget and expense tracker built around your paycheck—not an arbitrary calendar month. Create a weekly, biweekly, twice-monthly, monthly, or custom budget period. Give every dollar a job, see what is left, and know whether you are on pace before the next payday arrives. PLAN EACH PAYCHECK • Build a guided budget with 50/30/20, Essentials First, or your own custom split • Organize money into Needs, Wants, Future, savings, and debt • Set up payment accounts and wallets so your plan matches how you actually spend • Track recurring bills and upcoming expenses • Carry allocations forward with flexible rollover rules TRACK SPENDING YOUR WAY • Add and edit expenses in seconds • Speak an expense and let YBUD turn it into a transaction • Scan a receipt to create a suggested expense • Reuse your saved categories for faster, more consistent tracking • Get 5 voice or receipt captures per month on Free SEE WHERE YOUR MONEY GOES • See what you have spent and what remains in the current period • Check plan health, spending pace, and projected finish • Review cash flow, category budgets, spending activity, and period trends • Compare completed plans and learn from one paycheck to the next GO DEEPER WITH BUDGET PLUS Unlock a clear period review, category trends, spending drivers, and a comparison with your previous plan at the same point in the period. Budget Plus also includes unlimited smart capture, next-period planning, and cloud backup and sync. PRIVATE BY DEFAULT Your plans and transactions live in an on-device database and core budgeting works offline. No account is required to start. When you choose smart capture, only the recording or receipt needed to create your suggestion is securely processed. Cloud backup is optional and requires Budget Plus and Sign in with Apple. MORE USEFUL DETAILS • Light and dark appearance • Multiple currencies • Local JSON data export • Restore purchases and account controls in Settings • No ads and no sale of personal information Whether you call it a paycheck budget, envelope budget, spending plan, or expense tracker, YBUD helps you make the money between paydays feel clear, intentional, and manageable. Download YBUD and make a plan for your next paycheck. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://studio074.dev/apps/ybud/privacyPolicy

About

Spending Tracker・Buck

Features
Read full description

Buck - Expense and budget tracker app is the easiest way to manage your finances. With this personal money manager, budget & expense tracker app, you can track daily expenses, plan budgets, and monitor subscriptions all in one place. Buck helps you stay on top of your spending habits and reach your financial goals faster. Use Buck as a personal daily expense tracker app to record every purchase and see exactly where your money goes. It also works as a personal budget planner with savings goals, helping you plan spending and achieve your savings targets. With Buck, managing money becomes simple and stress-free. Why Choose Buck? Buck is more than a finance app. It acts as an easy budget tracker to save money and a money tracker for personal finance. You can track daily expenses, set limits, and save money while understanding your financial patterns. The app also works as a simple bill organizer and expense tracker to manage bills and recurring payments. You can track expenses and personal income tracker app easily, so you know your exact balance every day. Key Features • Instant Expense Tracking: Log daily expenses in seconds and categorize them for clarity. • Budget Planner Tools: Set limits for each category and track spending effectively. • Money Management Tools: Buck acts as a personal money manager app to track income, expenses, and savings. • Subscription Tracking: Keep an eye on subscriptions and avoid missed payments with manage subscriptions and expense tracker. • Visual Analytics: Understand spending trends and track savings progress. • Multiple Accounts & Currencies: Manage money across accounts and currencies easily. Goals & Savings Tracker Buck is your save money and savings goals tracker. Set goals for travel, emergencies, or personal projects. Visual progress bars help you stay motivated. Use Buck as a simple money saving tracker app to monitor daily savings and reach your goals step by step. Track Spending and Budget Control your money with Buck. Track spending and budgets using this money management app for personal finance. Whether it’s a finance tracker for daily expenses or a budget app with income and expense tracking, Buck helps you stay organized. You can see exactly where your money goes and plan for the future. Organize Bills and Subscriptions Use Buck as a bill tracker and money manager for personal finance. Record monthly bills, due dates, and recurring payments easily. With subscription tracker and expense manager features, you never forget a subscription. The expense record with budget planner keeps your spending aligned with your financial plan. Vacation Mode Traveling? Buck allows you to track holiday expenses separately. Maintain dedicated budgets for trips without affecting your daily spending. Vacation planning becomes stress-free, and overspending is avoided. Who Should Use Buck? • Anyone needing a personal daily expense tracker app • Users looking for a personal budget planner with savings goals • People wanting an easy budget tracker to save money • Those who want a money tracker for personal finance and a simple expense manager to track spending and savings Why Buck Stands Out Buck combines the best features of a money organizer app with budget planner, a personal money manager app to track income, expenses, and savings, and a finance tracker for daily expenses. Track spending, monitor budgets, organize bills, manage subscriptions, and achieve your savings goals all in one app. Download Buck Today Take control of your finances with buck: personal money manager, budget & expense tracker app. Track expenses, plan budgets, manage subscriptions, and save money. Use Buck as your daily expense tracker app, personal budget planner with savings goals, and money tracker for personal finance. Organize bills, subscriptions, and money efficiently. Start using Buck today and make managing your finances simple and stress-free.

Screenshots

YBUD4 screens
Spending Tracker・Buck4 screens

Verdict

The call

The clearest difference is update cadence: YBUD at every 2 months against Spending Tracker・Buck's every 4 months. YBUD also leads on iOS requirement (16.4 vs 18.0). 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. YBUD sells 4 in-app purchases, starting at $5.99 per month and Spending Tracker・Buck sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

YBUD ships an update every 2 months, Spending Tracker・Buck every 4 months. Both last shipped on October 28, 2026.

Scorecard2 real differences · 4 level
YBUD versus Spending Tracker・Buck: the parameters behind the verdict, then further details
ParameterYBUDSpending Tracker・Buck
PriceFreeFree
Update frequencyEvery 2 months — betterEvery 4 months
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.4 — better18.0
Further details — not scored
Size64 MB55 MB
Age rating4+4+
DeveloperGalo Berlyn GarlejoMuneeb Rana

In-app purchases

4 purchases

YBUD

Subscriptions1
  • Budget Plus Monthly$5.991 Month
One-time3
  • Silver Supporter$0.99
  • Gold Supporter$1.99
  • Platinum Supporter$2.99
2 purchases

Spending Tracker・Buck

Subscriptions2
  • Monthly Subscription$0.991 Month
  • Yearly Subscription$7.991 Year

Questions

Is YBUD free?
YBUD is free to download, with in-app purchases available.
Is Spending Tracker・Buck free?
Spending Tracker・Buck is free to download, with in-app purchases available.
Do YBUD or Spending Tracker・Buck have ads?
Neither YBUD nor Spending Tracker・Buck shows ads.
Which is updated more often, YBUD or Spending Tracker・Buck?
YBUD ships an update every 2 months, and Spending Tracker・Buck every 4 months. Most recently, YBUD was updated on October 28, 2026 and Spending Tracker・Buck on October 28, 2026.

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