I.O.Then vs Spend Control
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
I.O.Then
This app helps you track borrowed items and money, ensuring they are returned on time. It simplifies the process of lending and borrowing by allowing you to record details, set return dates, and get gentle reminders, preventing awkward conversations and lost belongings.
- Track borrowed items and money
- Record borrower details
- Set return dates
- Digital signature capture
- Automated reminders
- Lending and borrowing history
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I.O.Then - the app that keeps your stuff coming back! You know how it goes. Someone borrows your charger “for a minute”, your drill “just for today”, or your book “until the weekend”. Weeks pass. Months. Suddenly you’re wondering if you ever owned that thing at all. I.O.Then fixes that exact problem. Not in theory. For you. Take a quick photo of the item. Let the borrower sign with a finger. Set a return date. That’s it. You’ve created a tiny, friendly agreement that no one forgets. No awkward reminders. No “hey, remember that thing…?” messages. I.O.Then handles the nudging so you don’t have to. Why you’ll actually use it You stop losing your stuff to forgetful friends. You never feel uncomfortable reminding someone. You always know who has what and when it’s coming back. You get a clear history of every item you’ve lent out. It’s not about managing debts. It’s about keeping your belongings in your life instead of disappearing into someone else’s. How it makes your life easier Your neighbor borrows a tool and actually returns it. Your sibling takes your charger and doesn’t “accidentally keep it”. Your coworker returns that book you recommended instead of adopting it. If you lend your stuff even occasionally, I.O.Then quietly protects your time, your patience, and your things. That’s why it belongs on your phone. Because you’re tired of being the responsible one who remembers everything. Because you want your things back without chasing people. Because you deserve an app that handles the awkward part for you. I.O.Then keeps your belongings safe, your relationships smooth, and your sanity intact. You can use it for money debts too. And you can even keep track of your own debts — if you really want to ;)
Spend Control
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Track your expenses in seconds — no sign-ups, no bank linking, no cloud. Spend Control is a fast, private expense tracker that keeps all your data on your device. See where your money goes with powerful statistics and beautiful widgets. WHY SPEND CONTROL? ◆ 100% Private — Your financial data never leaves your device. No accounts, no servers, no tracking. What you spend is your business. ◆ Lightning Fast — Add an expense in under 3 seconds. Pick a category, enter the amount, done. No friction, no loading screens. ◆ Powerful Home Screen Widgets — Two customizable widgets let you see your spending and add expenses right from your Home Screen. Choose your time period and stay in control without even opening the app. ◆ Lock Screen Widgets — Glance at your monthly total without unlocking your phone. Two sleek widget styles to match your setup. TRACK SMARTER ◆ 40+ Built-In Categories — From groceries to subscriptions, coffee to travel. Everything is covered, and you can pick your favorites for quick access. ◆ Visual Statistics — See your spending broken down by week, month, year, or all time. Interactive charts show exactly where your money goes. ◆ Daily, Weekly & Monthly Views — Understand your habits at every level. Spot trends, compare periods, and make better decisions. BUILT FOR REAL LIFE ◆ Works Offline — No internet required. Ever. Add expenses on a plane, in the subway, or anywhere else. ◆ No Subscriptions Required — Download and start tracking immediately. ◆ Clean Design — Easy on the eyes, day and night. Take control of your spending today. Download Spend Control and see where your money really goes.
Screenshots
Verdict
The clearest difference is price: Spend Control at Free against I.O.Then's $0.99. On update cadence, 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
Spend Control is free to download; I.O.Then costs $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.
I.O.Then ships an update every 8 days, Spend Control fortnightly. The most recent releases landed on October 15, 2026 and September 29, 2026 respectively.
| Parameter | I.O.Then | Spend Control |
|---|---|---|
| Price | $0.99 | Free — better |
| Positive reviews | 100.0% of reviews | — |
| Update frequency | Every 8 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Paid | — |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 17.0 | 17 |
| Further details — not scored | ||
| Size | 5 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | Aleh Rabchuk | Vladyslav Varshavskyi |
In-app purchases
I.O.Then
No in-app purchases
Spend Control
No in-app purchases









