Comparison

SnapSpend vs Spendly

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

Head to head
About

SnapSpend

Features
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SnapSpend turns "I'll log it later" into one second — often into no tapping at all. ā–ø LOG IT IN A SECOND • One keypad screen for everything: amount, category, account, note, photo, place • Snap to Log: screenshot any payment screen and the Shortcut reads the amount, merchant and date. Confirm and it's saved — without leaving the app you were in • A Control Center button, Home and Lock Screen widgets, and Apple Watch ā–ø AN AI THAT KEEPS THE BOOKS • Say or type "taxi 38 yesterday" and the assistant files it, category and account included • Photograph a receipt and every line becomes its own entry • Ask "how much did I spend on takeout this month?" and get the answer with a chart, instead of scrolling through a list ā–ø SHARED LEDGERS, SETTLED IN ONE TAP • Invite a partner, family, roommates or travel companions — entries sync live • See who paid and who owes; SnapSpend works out who pays whom • Member roles, an activity feed, and per-person statistics so nobody does the maths after a trip ā–ø BUDGETS YOU ACTUALLY KEEP • A monthly budget plus per-category budgets, with unspent room rolling into the next period • Alerts as you approach the limit, not after you blow past it • A budget widget on the Home Screen for the glance before you pay ā–ø STATISTICS THAT MAKE SENSE • Week, month, year, or any custom range • Trends, category breakdowns and account flows — one look tells you where the money went ā–ø ACCOUNTS, CARDS & NET WORTH • Cash, debit, credit, e-wallets and investments in one place • Credit-card statement and due-date reminders, with spending grouped into the right billing cycle • A net-worth trend line for the whole picture ā–ø LOANS & RECURRING BILLS • Money lent and borrowed, repayments and due dates — no more relying on memory • Rent, salary and subscriptions post themselves every period ā–ø MANY LEDGERS, MANY CURRENCIES • Keep everyday life, travel and business apart • Each ledger can hold its own currency, with rates updated automatically for trips abroad ā–ø YOUR DATA STAYS YOURS • iCloud sync across iPhone, iPad and Apple Watch • Import wallet and bank statements; export CSV, Excel, PDF reports or a full JSON backup • Face ID app lock keeps income and balances out of sight ā–ø SNAPSPEND PRO Unlimited ledgers and accounts, collaborative ledgers, advanced charts, more AI messages each week, and personal themes and icons. Monthly, yearly or a one-time lifetime purchase — everyday tracking stays free. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically within 24 hours before the current period ends; manage or cancel anytime in App Store settings. Terms of Use: https://snapspend.bluecatapp.com/terms Privacy Policy: https://snapspend.bluecatapp.com/privacy

About

Spendly

Features
Read full description

Spendly: Visual Expense Logs Spendly helps you track every expense with a clean, modern design built for effortless daily use. Get clear insights into your money without the complexity, subscriptions, or privacy worries. • Yearly Spending Heatmap: Track your habits with a GitHub-style daily heatmap for any year. Plus, get an instant annual summary featuring your year total, daily average, and busiest month. • Siri and Shortcuts Integration: Log on the go! Just say, "Hey Siri, log an expense" or ask, "How much did I spend this month?" • Receipt Photos: Snap and attach a photo to any transaction to keep your proof of purchase organized. Stored 100% privately on-device. • CSV Import and Restore: Easily import a previously exported Spendly CSV to back up your data or migrate between devices. • Massive Currency Expansion: Added 40+ new world currencies - including the Malaysian Ringgit (MYR) - bringing the total to over 50+ supported currencies! • Streamlined Currency Experience: Features a beautiful new searchable currency picker and an updated first-launch onboarding. Changing your currency in Settings now updates everywhere instantly with no app restart needed. SEE YOUR SPENDING CLEARLY • Visual Month Chips: See exactly how much you spent each month at a glance. • Beautiful Charts: Pie charts and bar graphs reveal exactly where your money goes. • Instant Comparisons: Compare this month vs. last month to spot trends instantly. POWERFUL YET SIMPLE • Quick Logging: Add transactions in seconds with smart categories and icons. • Smart Dashboard: View your Today, This Week, and This Month totals in one place. • Full History: Search, filter, and review your entire transaction history by month. GLOBAL AND FLEXIBLE • 50+ World Currencies: Full support for major global currencies with instant, app-wide conversion. • Clean Exports: Export monthly data as a CSV spreadsheet or a clean PDF report for easy budgeting. 100% PRIVATE BY DESIGN • On-Device Storage: Your financial data and receipt photos stay securely on your device. Download Spendly today and take control of your daily spending!

Screenshots

SnapSpend4 screens
Spendly4 screens

Verdict

The call

The clearest difference is in-app purchases: Spendly at none against SnapSpend's 2. Spendly also leads on update cadence (every 3 days vs weekly). On price, ads, device support and iOS requirement there is nothing between them.

Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

Both are free to download. SnapSpend sells 2 in-app purchases, starting at $0.99 per month. Spendly asks for nothing beyond the download.

UpkeepUpdate frequency

SnapSpend ships an update weekly, Spendly every 3 days. The most recent releases landed on October 25, 2026 and October 11, 2026 respectively.

Scorecard2 real differences Ā· 4 level
SnapSpend versus Spendly: the parameters behind the verdict, then further details
ParameterSnapSpendSpendly
PriceFreeFree
Update frequencyWeeklyEvery 3 days — better
AdsNoNo
In-app purchasesYesNo — better
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS17.017.0
Further details — not scored
Size75 MB4 MB
Age rating4+4+
Developerå–„ę˜† 陈TextWaves Inc

In-app purchases

2 purchases

SnapSpend

Subscriptions2
  • SnapSpend Pro Monthly$0.991 Month
  • SnapSpend Pro Yearly$6.991 Year
None

Spendly

No in-app purchases

Questions

Is SnapSpend free?
SnapSpend is free to download, with in-app purchases available.
Is Spendly free?
Spendly is free to download, with no in-app purchases.
Do SnapSpend or Spendly have ads?
Neither SnapSpend nor Spendly shows ads.
Which is updated more often, SnapSpend or Spendly?
SnapSpend ships an update weekly, and Spendly every 3 days. Most recently, SnapSpend was updated on October 25, 2026 and Spendly on October 11, 2026.

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