# Purpose Budget vs TrackSmart

The clearest difference is monetization model: TrackSmart at freemium against Purpose Budget's subscription. TrackSmart also leads on update cadence (every 3 weeks vs every 2 months) and ratings volume (4 vs 1). Purpose Budget's advantage is iOS requirement (16.4 vs 18.6). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Purpose Budget sells 4 in-app purchases, starting at $2.99 per month and TrackSmart sells 2 in-app purchases, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Purpose Budget against 5.0 for TrackSmart. Both are backed by a comparable volume of ratings — 1 and 4 respectively.

Purpose Budget ships an update every 2 months, TrackSmart every 3 weeks. The most recent releases landed on October 8, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Purpose Budget | TrackSmart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/purpose-budget/id6757283854/reviews) | [5.0 (4 ratings)](https://appshunter.io/ios/app/tracksmart-net-worth-tracker/id6761645067/reviews) |
| Number of ratings | 1 | **4** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Subscription | **Freemium** |
| Size | 64 MB | 20 MB |
| Requires iOS | **16.4** | 18.6 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Purpose Budget](https://appshunter.io/developer/1865790454) | [Adalberto Dominguez Segura](https://appshunter.io/developer/1890628437) |

## What reviewers say

### Purpose Budget

[App page](https://appshunter.io/ios/app/purpose-budget/id6757283854)

Take full control of your finances with zero-based envelope budgeting. Assign every dollar to a purpose, track spending, and gain insights into your financial health. Link bank accounts, categorize transactions, and monitor your net worth with detailed reports.

**Highlights:** Zero-based envelope budgeting, Assign income to categories, Track spending and goals, Link bank accounts (Premium), Automatic transaction import (Premium), Net worth and spending reports, Multi-currency support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Essential Monthly | $2.99 | per month |
| Premium Monthly | $8.99 | per month |
| Essential Annual | $24.99 | per year |
| Premium Annual | $69.99 | per year |


### TrackSmart

[App page](https://appshunter.io/ios/app/tracksmart-net-worth-tracker/id6761645067)

This budgeting app prioritizes privacy by keeping all your financial data on your device. It uses on-device AI for spending summaries and offers features like cash-flow forecasts, budget tracking, and PDF statement imports without requiring bank logins.

**Highlights:** On-device AI spending summaries, No bank login required, Cash-flow forecasting, Budget and goal tracking, PDF statement import, Home screen widgets

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $6.99 | per month |
| Pro Annual | $44.99 | per year |


## Frequently asked questions

### Is Purpose Budget free?

Purpose Budget is free to download, with in-app purchases available.

### Is TrackSmart free?

TrackSmart is free to download, with in-app purchases available.

### Which has better reviews, Purpose Budget or TrackSmart?

Purpose Budget and TrackSmart are both rated 5.0 out of 5 on the App Store, from 1 and 4 ratings respectively.

### Do Purpose Budget or TrackSmart have ads?

Neither Purpose Budget nor TrackSmart shows ads.

### Which is updated more often, Purpose Budget or TrackSmart?

Purpose Budget ships an update every 2 months, and TrackSmart every 3 weeks. Most recently, Purpose Budget was updated on October 8, 2026 and TrackSmart on October 24, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*