Comparison

SpendWithPlan vs SimpleSpend

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

Head to head
About

SpendWithPlan

Features
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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.

About

SimpleSpend

Features
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Tracking your money should feel simple. SimpleSpend is a fast, focused, ad-free expense tracker. Log a transaction in seconds—no sign-up or unnecessary distractions. Build a clear picture of your personal finances without turning every entry into a chore. FAST, FLEXIBLE TRACKING • Enter the amount, category, account, and note • Hold "+" to log by voice: Say the amount, date, category and more, then release to fill in the transaction form. • Review before saving: Check or edit the details filled in from your voice input to help avoid mistakes. • Create custom categories, subcategories, and accounts • Use Siri and Shortcuts to log expenses or income by voice RECURRING TRANSACTIONS FOR RENT AND BILLS Rent, phone bills, gym memberships, loan payments, and more—set them up once on a daily, weekly, monthly, yearly, or custom schedule. When a transaction is due, SimpleSpend adds it the next time you open the app. SEE WHAT SUBSCRIPTIONS COST Mark an expense as a subscription to see your estimated annual total and projected charges for the next 12 months. Quickly decide what is worth keeping and what you may want to reconsider. TRACK MONEY TOGETHER Invite your partner or family to one shared ledger. Up to 6 people can log income and expenses and view budgets and insights. Personal and shared ledgers stay separate, so everything remains clear. BUDGETS AND SPENDING INSIGHTS • See income, expenses, net balance, and spending by category • Filter by day, week, month, year, or a custom date range • Set monthly budgets to stay on track MULTIPLE LEDGERS AND CURRENCIES • Separate family, travel, shared expenses, and more into their own ledgers • Fetch exchange rates automatically and view converted totals in your chosen currency YOUR DATA, YOUR CHOICE • Keep data on your device by default • Turn on iCloud sync between your iPhone and iPad • Shared ledgers are shared only with invited members; personal ledgers stay separate • Export your data to CSV anytime • Enjoy an ad-free experience—we do not sell your data Core tracking is free. Upgrade to Pro for unlimited recurring rules, batch editing, category merging, and more. Download SimpleSpend and see your spending more clearly. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://castorstudio.xyz/apps/simplespend/privacy/

Screenshots

SpendWithPlan4 screens
SimpleSpend4 screens

Verdict

The call

The clearest difference is in-app purchases: SpendWithPlan at none against SimpleSpend's 2. SpendWithPlan also leads on update cadence (daily vs every 8 days). On price, ads, device support and iOS requirement 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. SimpleSpend sells 2 in-app purchases, starting at $4.99 per year. SpendWithPlan asks for nothing beyond the download.

UpkeepUpdate frequency

SpendWithPlan ships an update daily, SimpleSpend every 8 days. The most recent releases landed on October 6, 2026 and October 1, 2026 respectively.

Scorecard2 real differences · 4 level
SpendWithPlan versus SimpleSpend: the parameters behind the verdict, then further details
ParameterSpendWithPlanSimpleSpend
PriceFreeFree
Update frequencyDaily — betterEvery 8 days
AdsNoNo
In-app purchasesNo — betterYes
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.518.0 — better
Further details — not scored
Size6 MB32 MB
Age rating4+4+
DeveloperOliver Bugar杭 李

In-app purchases

None

SpendWithPlan

No in-app purchases

2 purchases

SimpleSpend

Subscriptions1
  • SimpleSpend Pro$4.991 Year
One-time1
  • SimpleSpend Pro$17.99

Questions

Is SpendWithPlan free?
SpendWithPlan is free to download, with no in-app purchases.
Is SimpleSpend free?
SimpleSpend is free to download, with in-app purchases available.
Do SpendWithPlan or SimpleSpend have ads?
Neither SpendWithPlan nor SimpleSpend shows ads.
Which is updated more often, SpendWithPlan or SimpleSpend?
SpendWithPlan ships an update daily, and SimpleSpend every 8 days. Most recently, SpendWithPlan was updated on October 6, 2026 and SimpleSpend on October 1, 2026.

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