Comparison

Spendlyst vs Expense Tracker

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

Head to head
About

Spendlyst

Features
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Take control of your finances with Spendlyst, the intelligent expense tracker that makes managing your money effortless and insightful. KEY FEATURES: * AI-Powered Categorization Automatically categorize your expenses using advanced AI technology. Just add a transaction or scan a receipt, and Spendlyst intelligently suggests the right category, saving you time and ensuring consistency. * Receipt Scanning Scan receipts with your camera using on-device OCR technology. All processing happens on your device—your receipt images never leave your phone, ensuring maximum privacy and security. Extract amounts, dates, and merchant information instantly. * Insightful Analytics Get detailed insights into your spending patterns with beautiful charts and visualizations. Understand where your money goes, identify trends, and make smarter financial decisions. Track spending by category, view monthly comparisons, and discover your top spending areas. * Budget Management Set budgets for different categories and track your progress in real-time. Get notified when you're approaching limits, helping you stay on track with your financial goals. * Privacy First All your financial data is stored locally on your device using SwiftData. We don't sync your data to the cloud, and you don't need an account to get started. Your financial information stays private and secure—exactly where it should be. * Fast & Simple Add transactions in seconds with our clean, intuitive interface. Designed for quick expense tracking on the go, Spendlyst makes it easy to stay on top of your finances without the hassle. * Smart Insights Receive personalized insights about your spending habits. Get alerts for unusual spending, budget warnings, and savings opportunities. Our AI analyzes your patterns to help you make better financial decisions. * Categories & Tags Organize your expenses with customizable categories and tags. Create your own categories or use our smart defaults. Track everything from groceries to subscriptions with ease. * Export Your Data Export all your transactions as CSV files (Pro feature) for use in spreadsheets or other financial tools. Take your data with you whenever you need it. WHY SPENDLYST? • No Account Required: Start tracking immediately without signing up • On-Device Processing: Receipt scanning happens entirely on your device • Local Storage: Your data never leaves your device • AI-Powered: Smart categorization saves time and ensures accuracy • Beautiful Design: Clean, modern interface that's a joy to use • Privacy Focused: Your financial data stays private and secure PERFECT FOR: • Personal expense tracking • Budget management • Receipt organization • Spending analysis • Financial goal tracking UPGRADE TO PRO: Unlock unlimited receipt scans, advanced analytics, CSV export, PDF reports, custom categories, unlimited budgets, and priority support. Download Spendlyst today and take control of your finances. Start tracking smarter, not harder. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Expense Tracker

Features
Read full description

Track every expense and income with subcategories for detailed spending insights. Export your data as CSV. MyDinero is a simple, private money manager designed for clarity over complexity — without ever connecting a bank account. You know how much you spent on "Food" last month — but was it groceries, restaurants, or delivery? MyDinero answers that with two-level categories. See your total spending and the full breakdown in one view. Add daily totals, visual budgets, recurring transactions, and iCloud sync — everything you need to take control of your money. FEATURES →Subcategories Create Food → Groceries, Restaurants, Coffee. See total category spending and the full breakdown. Custom icons and colors. →Lightning-Fast Expense Entry Add any transaction in 3 taps. Category → Amount → Done. Calculator-style number pad with smart defaults and haptic confirmation. →Daily Totals at a Glance See how much you spent each day without mental math. Color-coded indicators show whether you're under, approaching, or over budget. →Multiple Accounts Track cash, checking, savings, and credit cards with running balances. Set a default account so every entry is one less tap. →Transfers Without Double-Counting Move money between accounts without it appearing as income or expense. Your totals stay accurate. →Recurring Transactions Set up rent, subscriptions, and bills once. They auto-populate on schedule. Skip or modify any instance without breaking the series. →Budgets Set monthly limits per category with visual progress bars. Custom start dates for your budget cycle. Rollover unused amounts. Get notified when approaching limits. →Charts & Reports Pie charts for category breakdown, bar charts for spending trends, income vs expense comparison. Tap any segment for details. →iCloud Sync Seamlessly sync across iPhone and iPad. No account creation required. →CSV Export One-tap export with detailed, simple, or custom column profiles. →Streak Tracking Build a daily logging habit with streak counter and shareable milestone cards. →Smart Reminders Daily logging prompts and bill due date alerts. Build awareness without the annoyance. →Dark Mode & Accessibility VoiceOver compatible, Dynamic Type support. One-handed use with large touch targets. WHY MYDINERO → Privacy by design — no bank connections, your data stays on your device → Subcategories with rollup reporting — the big picture and the details → Daily totals everywhere — know your spending at a glance → Manual entry with intention — track spending mindfully → Native iOS interface — feels like it belongs on your iPhone SUBSCRIPTION INFORMATION Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless canceled at least 24 hours before the end of the current period. Manage and cancel subscriptions in your App Store account settings. Any unused portion of a free trial period will be forfeited when you purchase a subscription. Terms of Use: https://mydinero.app/terms Privacy Policy: https://mydinero.app/privacy DISCLAIMER MyDinero is a personal expense tracking and budget planning tool. It is not a financial advisory service and does not provide financial advice, investment recommendations, or tax guidance. All information is for personal awareness only. Always consult qualified financial professionals for financial advice or tax planning. Individual results may vary.

Screenshots

Spendlyst4 screens
Expense Tracker4 screens

Verdict

The call

Spendlyst and Expense Tracker are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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. Spendlyst sells 3 in-app purchases, starting at $1.99 per month and Expense Tracker sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Spendlyst ships an update every 3 weeks, Expense Tracker every 2 weeks. The most recent releases landed on October 30, 2026 and October 29, 2026 respectively.

ScorecardNo meaningful differences
Spendlyst versus Expense Tracker: the parameters behind the verdict, then further details
ParameterSpendlystExpense Tracker
PriceFreeFree
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPad — betteriPhone
Requires iOS18.618.0 — better
Further details — not scored
Size16 MB15 MB
Age rating4+4+
DeveloperCagri GiderEL MEHDI ZAKRI

In-app purchases

3 purchases

Spendlyst

Subscriptions2
  • Monthly Subscription7 Days trial$1.991 Month
  • Annual Subscription7 Days trial$14.991 Year
One-time1
  • Lifetime Access$19.99
2 purchases

Expense Tracker

Subscriptions2
  • Monthly3 Days trial$3.991 Month
  • Yearly7 Days trial$24.991 Year

Questions

Is Spendlyst free?
Spendlyst is free to download, with in-app purchases available.
Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Do Spendlyst or Expense Tracker have ads?
Neither Spendlyst nor Expense Tracker shows ads.
Which is updated more often, Spendlyst or Expense Tracker?
Spendlyst ships an update every 3 weeks, and Expense Tracker every 2 weeks. Most recently, Spendlyst was updated on October 30, 2026 and Expense Tracker on October 29, 2026.

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