Comparison

Spendy vs Spending Tracker

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

Head to head
About

Spendy

Features
Read full description

Track expenses at lightning speed! Use Quick Controls, scan receipts, and automate recordings with Apple Pay: your budget is always up-to-date, with zero hassle. Spendy is the budgeting app you won't abandon after a week. Record expenses manually, from Control Center, or with Quick Controls; scan receipts with OCR and let AI learn from your habits. Zero hassle, maximum control. WHY SPENDY - Custom categories (Pro) β†’ Create categories with a name, icon, and color; Choose the order and use them for transactions, budgets, and recurring payments. - Quick Controls β†’ Add an expense or open the scanner from Control Center, the Lock Screen, or the Action Button. - Apple Pay Automation β†’ Set up Shortcuts to record payments without manually entering them. - Scan the receipt β†’ Take a photo of the receipt: the app reads the amount and date in seconds. - Learning AI (Pro) β†’ Suggests categories as you type and remembers your habits. - Quick Add from the icon β†’ Press and hold the Spendy icon to add an expense from the Home screen. - Budget by category β†’ Set monthly limits and check how much you can still spend. - Savings goals β†’ Vacation, car, emergency: create a goal and Spendy tracks your progress. - Recurring payments β†’ Reminders before each due date so you don't forget subscriptions and payments. - Smart widgets β†’ Budgets, latest expenses, and statistics always visible on your screen. Home SPENDY ADVISOR: YOUR FINANCIAL AI Analyze spending patterns: "We're on day 10, and you've already used 60% of your budget." Identify hidden trends: "You're spending too much on weekends." Smart forecasts: "At this rate, you'll end the month with a €150+ premium." Proactive notifications: Unusual spending detected in real time. Everything locally on your iPhone. Privacy guaranteed. APPLE PAY AUTOMATION (Zero Effort) Set up Shortcuts to record Apple Pay or card payments (including contactless payments with supported cards and banks) in the background. Associate a merchant with a category, even a custom one: AI Pro will suggest it for subsequent transactions. Result: your budget is always up-to-date without you lifting a finger. QUICK FUNCTIONS Access from Control Center, Lock Screen, and Action Button; search and filters to find transactions; PDF/CSV export and iCloud backup with custom categories and sorting included. **GAMIFICATION & MOTIVATION** **FREE VERSION** - Unlimited expenses and income - 1 goal + 1 subscription + 1 widget - Essential statistics - Spendy Advisor (basic analysis) **SPENDY PRO** - Unlimited goals and subscriptions - Budgets for all categories - OCR receipt scanning - Apple Pay automation with Shortcuts - Full Spendy Advisor (predictions + advanced trends) - Shortcuts automation - Automatic iCloud backup - PDF/CSV export - All widgets - Advanced statistics with charts - Quick Controls (Lock Screen and Control Center) **PRIVACY FIRST** All data stays on your iPhone. No mandatory account, no external servers, no tracking. Face ID/Touch ID protection included. **LEGAL INFORMATION** Terms and Conditions (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://francescowebdesign.it/spendyapp/privacy.html **SUBSCRIPTION INFORMATION** Spendy Pro is available with the following options: AUTO-RENEWABLE SUBSCRIPTIONS: β€’ Monthly: €2.99/month β€’ Annual: €17.99/year (save 58%) ONE-TIME PURCHASE: β€’ Lifetime: €44.99 (lifetime access, no renewals) Subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current period. Payment is charged to your Apple ID upon confirmation of purchase. You can manage your subscriptions and turn off auto-renewal in your Apple account settings after purchase. The Lifetime purchase is a one-time payment with no automatic renewal and grants access to all Premium features forever.

About

Spending Tracker

Easily manage shared budgets for couples, households, or projects. Track expenses, categorize spending, and visualize trends with clear reports. Offers privacy-focused features like on-device receipt recognition and iCloud syncing.

Highlights
  • Create and share budgets
  • Track and categorize expenses
  • Photo receipt capture
  • On-device receipt recognition
  • Clear spending reports
  • iCloud synchronization
Features
Read full description

YouSpend – Expense Tracker & Budget Planner YouSpend is your everyday expense tracker, budget planner, and personal finance manager. Organize your money, keep receipts in one place, and manage shared budgets with your partner, family, or friends, all without connecting your bank accounts. Whether you’re managing household bills, planning a trip, or keeping an eye on daily spending, YouSpend helps you understand where your money goes. BUDGETS FOR EVERY PART OF LIFE - Create wallets and separate budgets for groceries, travel, household expenses, and personal projects. - Use each wallet as a digital budget jar to organize related budgets and see how much you have left. - Choose monthly, trip, or all-time budgets to match the way you spend. TRACK EXPENSES IN SECONDS - Record everyday spending, from your morning coffee and daily transit to shopping and dining out. - Categorize each expense and assign it to the right budget. - Set up recurring expenses for regular bills and subscriptions instead of entering the same payments every time. MANAGE SHARED SPENDING TOGETHER - Share wallets and budgets with invited people. - Plan with your partner, manage family expenses, or track spending on a trip with friends. - Keep personal spending separate while staying up to date on the budgets you share. KEEP YOUR RECEIPTS ORGANIZED - Take photos of receipts or select images from your photo library. - Use the built-in receipt scanner to recognize merchants, dates, and amounts with Apple Vision. - Attach receipts to expenses so the details are easy to find later. - Receipt recognition happens directly on your device. UNDERSTAND YOUR SPENDING - See where your money goes with clear category breakdowns and spending trends. - Check your remaining budget to help plan your next purchase. - Export expenses as Excel (.xlsx) or CSV files for use in spreadsheets and other apps. MADE FOR IPHONE AND IPAD - Enjoy an easy-to-use interface with layouts optimized for iPhone and iPad. - Switch seamlessly between light and Dark Mode. - Keep your data synced across your Apple devices through iCloud and CloudKit. PRIVACY FROM THE START - No ads and no tracking. - No connection to bank accounts. - No external analytics or crash reporting SDKs. - On-device receipt recognition. - Share budgets with the people you invite. Less guesswork. More clarity. Your spending, organized with YouSpend. TERMS & PRIVACY YouSpend Terms of Use: [https://youspend.app/terms](https://youspend.app/terms) Apple Standard EULA: [https://www.apple.com/legal/internet-services/itunes/dev/stdeula/](https://www.apple.com/legal/internet-services/itunes/dev/stdeula/) Privacy Policy: [https://youspend.app/privacy](https://youspend.app/privacy)

Screenshots

Spendy4 screens
Spending Tracker4 screens

Verdict

The call

The clearest difference is iOS requirement: Spendy at 18 against Spending Tracker's 26.0. 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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Spendy sells 3 in-app purchases, starting at $2.99 per month and Spending Tracker sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Spendy ships an update every 9 days, Spending Tracker every 8 days. The most recent releases landed on October 9, 2026 and October 1, 2026 respectively.

Scorecard1 real difference Β· 7 level
Spendy versus Spending Tracker: the parameters behind the verdict, then further details
ParameterSpendySpending Tracker
PriceFreeFree
Positive reviewsβ€”100.0% of reviews
Update frequencyEvery 9 daysEvery 8 days β€” better
AdsNoNo
In-app purchasesYesYes
Monetizationβ€”Free with in-app purchases
DevicesiPhoneiPhone, iPad β€” better
Requires iOS18 β€” better26.0
Further details β€” not scored
Size61 MB14 MB
Age rating4+4+
DeveloperFrancesco AlgieriNino Gjoni

In-app purchases

3 purchases

Spendy

Subscriptions2
  • Spendy Pro - Monthly$2.991 Month
  • Spendy Pro - Yearly$14.991 Year
One-time1
  • Spendy Pro - Lifetime$39.99
3 purchases

Spending Tracker

Subscriptions2
  • YouSpend Premium Monthly$0.991 Month
  • YouSpend Premium Yearly$8.991 Year
One-time1
  • YouSpend Premium Lifetime$17.99

Questions

Is Spendy free?
Spendy is free to download, with in-app purchases available.
Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Do Spendy or Spending Tracker have ads?
Neither Spendy nor Spending Tracker shows ads.
Which is updated more often, Spendy or Spending Tracker?
Spendy ships an update every 9 days, and Spending Tracker every 8 days. Most recently, Spendy was updated on October 9, 2026 and Spending Tracker on October 1, 2026.

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