Comparison

FIRE Tracker vs SpendWithPlan

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

Head to head
About

FIRE Tracker

Features
Read full description

FIRE Tracker is an asset management app for those aiming for Financial Independence and Retire Early (FIRE). With a simple and intuitive interface, we support your journey to FIRE - from goal setting to progress tracking and simulation. 【Key Features】 ■ Dashboard ・Check your FIRE achievement rate at a glance ・Visualize current assets and distance to goal ・Track monthly goal progress ■ Record Management ・Easily record monthly income, expenses, and savings ・View and edit past records ・Automatic savings calculation ■ Charts ・Visualize asset trends with graphs ・Filter by period (1 year/3 years/5 years/all time) ・Understand trends toward goal achievement ■ Simulation ・Predict when you can achieve FIRE at your current pace ・Simulate with different expected returns ・Calculate required assets from post-FIRE living expenses ■ Notifications ・Recording reminders to prevent forgetting to log ・Celebration notifications for milestone achievements 【What is FIRE?】 FIRE (Financial Independence, Retire Early) is a lifestyle that aims to achieve financial independence and early retirement. The goal is to build assets that allow you to live without working through planned savings and investment. 【Privacy First】 ・All data is stored only on your device ・No data transmission to servers ・Use with peace of mind 【Ad-Free Option】 Purchase the premium version to remove ads. Take your first step toward FIRE with FIRE Tracker.

About

SpendWithPlan

Features
Read full description

Spend With Plan helps you stay on top of your money. Track income and expenses, set budgets by category, and see where your money goes—all in one simple app. • Balance at a glance — Net balance, income, expenses, and savings on one card • Budget by category — Food, transport, entertainment, and more; add your own categories • Add transactions fast — Income or expense, with date and category • See the big picture — Overview with progress bars and a clear view of spending • Reports — Spending by category and over time • Export your data — Save your transactions to CSV and keep your records • Home screen widget — Check your budget without opening the app • Your data stays yours — Everything is stored on your device; no account required Choose your currency, switch to dark mode, and use the app in English, German, or Spanish. Simple, private, and made to help you spend with a plan.

Screenshots

FIRE Tracker4 screens
SpendWithPlan4 screens

Verdict

The call

The clearest difference is ads: SpendWithPlan at none against FIRE Tracker's shown. SpendWithPlan also leads on update cadence (daily vs every 4 months) and iOS requirement (18.5 vs 26.2). On price, 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

FIRE Tracker ships an update every 4 months, SpendWithPlan daily. The most recent releases landed on October 8, 2026 and October 6, 2026 respectively.

Scorecard3 real differences · 3 level
FIRE Tracker versus SpendWithPlan: the parameters behind the verdict, then further details
ParameterFIRE TrackerSpendWithPlan
PriceFreeFree
Update frequencyEvery 4 monthsDaily — better
AdsYesNo — better
In-app purchasesNoNo
DevicesiPhone, iPadiPhone, iPad
Requires iOS26.218.5 — better
Further details — not scored
Size10 MB6 MB
Age rating4+4+
DeveloperYuki FukushimaOliver Bugar

In-app purchases

None

FIRE Tracker

No in-app purchases

None

SpendWithPlan

No in-app purchases

Questions

Is FIRE Tracker free?
FIRE Tracker is free to download, with no in-app purchases.
Is SpendWithPlan free?
SpendWithPlan is free to download, with no in-app purchases.
Do FIRE Tracker or SpendWithPlan have ads?
FIRE Tracker shows ads; SpendWithPlan does not.
Which is updated more often, FIRE Tracker or SpendWithPlan?
FIRE Tracker ships an update every 4 months, and SpendWithPlan daily. Most recently, FIRE Tracker was updated on October 8, 2026 and SpendWithPlan on October 6, 2026.

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