Comparison

SpendWithPlan vs Spendly

Price, ratings, monetisation and update history for both apps, side by side β€” 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 goesβ€”all in one simple app. β€’ Balance at a glance β€” Net balance, income, expenses, and savings on one card β€’ Budget by category β€” Food, transport, entertainment, and more; add your own categories β€’ Add transactions fast β€” Income or expense, with date and category β€’ See the big picture β€” Overview with progress bars and a clear view of spending β€’ Reports β€” Spending by category and over time β€’ Export your data β€” Save your transactions to CSV and keep your records β€’ Home screen widget β€” Check your budget without opening the app β€’ Your data stays yours β€” 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

Spendly

Features
Read full description

Spendly: Visual Expense Logs Spendly helps you track every expense with a clean, modern design built for effortless daily use. Get clear insights into your money without the complexity, subscriptions, or privacy worries. β€’ Yearly Spending Heatmap: Track your habits with a GitHub-style daily heatmap for any year. Plus, get an instant annual summary featuring your year total, daily average, and busiest month. β€’ Siri and Shortcuts Integration: Log on the go! Just say, "Hey Siri, log an expense" or ask, "How much did I spend this month?" β€’ Receipt Photos: Snap and attach a photo to any transaction to keep your proof of purchase organized. Stored 100% privately on-device. β€’ CSV Import and Restore: Easily import a previously exported Spendly CSV to back up your data or migrate between devices. β€’ Massive Currency Expansion: Added 40+ new world currencies - including the Malaysian Ringgit (MYR) - bringing the total to over 50+ supported currencies! β€’ Streamlined Currency Experience: Features a beautiful new searchable currency picker and an updated first-launch onboarding. Changing your currency in Settings now updates everywhere instantly with no app restart needed. SEE YOUR SPENDING CLEARLY β€’ Visual Month Chips: See exactly how much you spent each month at a glance. β€’ Beautiful Charts: Pie charts and bar graphs reveal exactly where your money goes. β€’ Instant Comparisons: Compare this month vs. last month to spot trends instantly. POWERFUL YET SIMPLE β€’ Quick Logging: Add transactions in seconds with smart categories and icons. β€’ Smart Dashboard: View your Today, This Week, and This Month totals in one place. β€’ Full History: Search, filter, and review your entire transaction history by month. GLOBAL AND FLEXIBLE β€’ 50+ World Currencies: Full support for major global currencies with instant, app-wide conversion. β€’ Clean Exports: Export monthly data as a CSV spreadsheet or a clean PDF report for easy budgeting. 100% PRIVATE BY DESIGN β€’ On-Device Storage: Your financial data and receipt photos stay securely on your device. Download Spendly today and take control of your daily spending!

Screenshots

SpendWithPlan4 screens
Spendly4 screens

Verdict

The call

The clearest difference is update cadence: SpendWithPlan at daily against Spendly's every 3 days. On price, ads, in-app purchases and device support 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

SpendWithPlan ships an update daily, Spendly every 3 days. The most recent releases landed on September 4, 2026 and September 25, 2026 respectively.

Scorecard1 real difference Β· 5 level
SpendWithPlan versus Spendly: the parameters behind the verdict, then further details
ParameterSpendWithPlanSpendly
PriceFreeFree
Update frequencyDaily β€” betterEvery 3 days
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.517.0 β€” better
Further details β€” not scored
Size6 MB4 MB
Age rating4+4+
DeveloperOliver BugarTextWaves Inc

In-app purchases

None

SpendWithPlan

No in-app purchases

None

Spendly

No in-app purchases

Questions

Is SpendWithPlan free?
SpendWithPlan is free to download, with no in-app purchases.
Is Spendly free?
Spendly is free to download, with no in-app purchases.
Do SpendWithPlan or Spendly have ads?
Neither SpendWithPlan nor Spendly shows ads.
Which is updated more often, SpendWithPlan or Spendly?
SpendWithPlan ships an update daily, and Spendly every 3 days. Most recently, SpendWithPlan was updated on September 4, 2026 and Spendly on September 25, 2026.

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