Spendlyst vs FI
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
Spendlyst
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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 deviceβyour 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 secureβexactly 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? β’ No Account Required: Start tracking immediately without signing up β’ On-Device Processing: Receipt scanning happens entirely on your device β’ Local Storage: Your data never leaves your device β’ AI-Powered: Smart categorization saves time and ensures accuracy β’ Beautiful Design: Clean, modern interface that's a joy to use β’ Privacy Focused: Your financial data stays private and secure PERFECT FOR: β’ Personal expense tracking β’ Budget management β’ Receipt organization β’ Spending analysis β’ 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/
FI
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The budget app for two (or more). FI-532 gives your household one clear number β what's left to spend β and splits every paycheck 50/30/20 into needs, wants and savings. No bank login. Add expenses by voice, receipt photo or automatically from Apple Pay, and see who owes whom in one tap. Track everything in one place: - Log income, expenses, and transfers in seconds - Organize spending with Needs, Wants, and Savings categories - Follow a 50/30/20 budget rule and customize monthly targets - Create recurring bills and subscriptions, then mark them as paid - Get reminders for upcoming payments - View monthly cash flow, budget progress, and upcoming bills at a glance - Split shared expenses and settle balances between household members - Keep selected transactions private when needed - Filter by date range, transaction type, and category - Set household currency and timezone for accurate planning Premium features include: - AI Reports to ask questions about spending and budget trends - CSV export for transaction and recurring payment history - Advanced reminders and expanded collaboration tools FI-532 helps your household stay aligned, spend smarter, and build better money habits together. Get to know the app and all of its features first with a free trial before you can choose between a FI-532 Premium monthly or yearly subscription. The subscription will automatically renew at the end of the period, for the same price. You can turn off the auto- renewal at any time up until 24-hours before the end of the subscription period in your Account Settings. When you cancel the auto-renewal, access to the "Premium features" will not expire immediately, you will have access until the end of the current payment period. Read more about it in the privacy policy: https://www.fi-532.app/privacy Read more about it in the end user license agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is iOS requirement: FI at 16.0 against Spendlyst's 18.6. On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Spendlyst sells 3 in-app purchases, starting at $1.99 per month and FI sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.
Spendlyst ships an update every 3 weeks, FI every 2 weeks. The most recent releases landed on October 30, 2026 and October 28, 2026 respectively.
| Parameter | Spendlyst | FI |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 weeks | Every 2 weeks β better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.6 | 16.0 β better |
| Further details β not scored | ||
| Size | 16 MB | 99 MB |
| Age rating | 4+ | 4+ |
| Developer | Cagri Gider | Roberto Sourdis |
In-app purchases
Spendlyst
- Monthly Subscription7 Days trial$1.991 Month
- Annual Subscription7 Days trial$14.991 Year
- Lifetime Access$19.99
FI
- FI-532 Premium Monthly7 Days trial$4.991 Month
- FI-532 Premium Yearly14 Days trial$39.991 Year









