Comparison

Simple Spend Tracker vs SUBTIO

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

Head to head
About

Simple Spend Tracker

Easily manage your finances with a simple, manual budgeting system. Track spending and income using the envelope method, with instant balance updates. Sync budgets across devices and enjoy a distraction-free experience.

Highlights
  • Envelope budgeting method
  • Manual expense and income logging
  • Home screen widget for quick access
  • Siri and Shortcuts integration
  • Cross-device budget syncing
  • Light and dark mode design
Features
Read full description

Simple Spend Tracker The simplest way to manage your money. No bank accounts to link, no spreadsheets, no learning curve. Just you and your budget. Simple Spend Tracker is built around the envelope budgeting method, one of the most proven personal finance strategies around. Set a starting amount for anything you want to track, log your spending as you go, and always know exactly what's left. How it works Set a starting balance for anything: groceries, rent, a vacation, a night out. Add expenses and income as they happen and your balance updates instantly, with your running balance shown after every transaction. Simple, manual, and completely in your control. Log spending in seconds • Home Screen widget: see your balance at a glance, then tap Expense or Income to add one • Siri and Shortcuts: say "Log an expense in SimpleSpend", or put it on your Action button • Edit any transaction's amount, date or note, or swipe to delete Your budgets, everywhere Create a free account and your budgets stay in sync on your iPhone, iPad and the web. Choose a primary budget to open first, and switch between budgets in a tap. Why Simple Spend Tracker • No bank syncing and no bank passwords. You enter what you spend. • No ads, ever. • No subscription. Your first budget is free, and SimpleSpend Pro unlocks unlimited budgets with a single one-time purchase. • A clean, distraction-free design in light and dark mode. Built for real budgeters Whether you're following the cash envelope method, saving toward a goal, managing weekly or monthly spending, or just trying to see where your money goes, Simple Spend Tracker gives you the clarity you need without the complexity you don't. Download free today. Budget smarter in minutes.

About

SUBTIO

Features
Read full description

**SUBTIO — Track Your Subscriptions. Pay Once.** Take control of your subscriptions with SUBTIO, a simple and powerful subscription tracker that helps you manage recurring payments, monitor monthly expenses, and organize your services. **ONE-TIME PURCHASE. LIFETIME ACCESS.** No monthly or yearly fees to use SUBTIO. Pay once and enjoy lifetime access to your subscription manager. **KEY FEATURES** **Track Your Spending** - See your total monthly subscription expenses. - Monitor recurring payments in one dashboard. - Understand where your money goes. **Organize Your Subscriptions** - Sort subscriptions into useful categories. - Manage streaming, fitness, SaaS, gaming, music, AI tools, and more. - View expenses by category. **Add Subscriptions Easily** - Choose from popular services like Netflix, Spotify, and Disney+. - Create custom subscriptions. - Add prices, billing cycles, renewal dates, and notes. **Manage Renewal Dates** - Keep monthly and yearly billing dates organized. - View your subscriptions and their renewal information. - Stay informed about upcoming payments. **WHY CHOOSE SUBTIO?** - One-time purchase - Lifetime access - No recurring app subscription fees - Clean, intuitive interface - Easy subscription and expense management Stop losing track of your recurring payments. **Download SUBTIO and manage all your subscriptions in one place.**

Screenshots

Simple Spend Tracker4 screens
SUBTIO4 screens

Verdict

The call

The clearest difference is update cadence: Simple Spend Tracker at every 3 weeks against SUBTIO's every 5 months. 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. Simple Spend Tracker sells 1 one-off in-app purchase and SUBTIO sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Simple Spend Tracker ships an update every 3 weeks, SUBTIO every 5 months. Both last shipped on November 9, 2026.

Scorecard1 real difference · 8 level
Simple Spend Tracker versus SUBTIO: the parameters behind the verdict, then further details
ParameterSimple Spend TrackerSUBTIO
PriceFreeFree
Rating5.0 (6 ratings) — better—
Number of ratings6 — better—
Update frequencyEvery 3 weeks — betterEvery 5 months
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.017.0
Further details — not scored
Size8 MB14 MB
Age rating4+12+
DeveloperJOEL PATRICK NELSONMohamed Masaoudi

In-app purchases

1 purchases

Simple Spend Tracker

One-time1
  • SimpleSpend Pro$1.99
1 purchases

SUBTIO

One-time1
  • Subtio Premium$3.99

Questions

Is Simple Spend Tracker free?
Simple Spend Tracker is free to download, with in-app purchases available.
Is SUBTIO free?
SUBTIO is free to download, with in-app purchases available.
Do Simple Spend Tracker or SUBTIO have ads?
Neither Simple Spend Tracker nor SUBTIO shows ads.
Which is updated more often, Simple Spend Tracker or SUBTIO?
Simple Spend Tracker ships an update every 3 weeks, and SUBTIO every 5 months. Most recently, Simple Spend Tracker was updated on November 9, 2026 and SUBTIO on November 9, 2026.

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