Comparison

Mochi vs SpendLoop

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

Head to head
About

Mochi

This app offers a calm and minimal way to track your spending without overwhelming features. It focuses on simple awareness, allowing you to quickly log expenses and gain insights into your spending habits. Designed for privacy, your data stays on your device.

Highlights
  • Fast manual expense logging
  • Recurring expenses
  • Clean, distraction-free interface
  • Refined insights and spending history
  • Search and filters for past entries
  • Home screen widgets
  • Privacy-first design
Features
Read full description

Mochi is a calm, minimal way to track your spending. Most expense apps try to do too much β€” budgets, charts, alerts, goals, and endless setup. Mochi takes a different approach. It focuses on simple awareness, so you can log what you spend and move on with your day. There’s no pressure to optimize. No accounts to connect. No dashboards to manage. Just open, log, and close. FEATURES β€’ Fast manual expense logging β€’ Recurring expenses β€’ Clean, distraction-free interface β€’ Refined insights and spending history β€’ Search and filters for past entries β€’ Daily and weekly spending reflections β€’ Custom payment methods β€’ Home screen widgets β€’ Light, Dark, and OLED themes DESIGNED TO FEEL CALM Mochi is built to stay out of your way. There are no ads, no data selling, and no tracking across apps. Your data stays on your device. WHO IT’S FOR Mochi is for people who want to stay aware of their spending without turning it into a project. If you’ve ever felt overwhelmed by budgeting apps, Mochi might be a better fit. SUBSCRIPTIONS Mochi offers optional subscriptions and a lifetime purchase to unlock additional features. You can manage or cancel subscriptions anytime in your App Store account. Privacy-first. Simple by design. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

SpendLoop

Features
Read full description

SpendLoop: Expense Tracker Made Simple Take control of your money without complicated budgeting apps. SpendLoop helps you track expenses instantly, understand your spending habits, and stay within your monthly budget using a clean and simple interface. TRACK EXPENSES IN SECONDS Add expenses quickly without complicated steps. SpendLoop is designed for fast and effortless expense tracking so you can log spending the moment it happens. UNDERSTAND YOUR SPENDING Interactive insights help you see where your money goes. View your expenses by day, week, month, 6 months, or year and identify patterns in your spending. STAY ON BUDGET Set a monthly budget and track your progress easily. SpendLoop helps you stay in control of your finances and avoid overspending. POWERFUL FEATURES β€’ Quick expense entry β€’ Bulk expense adding β€’ Custom categories and subcategories β€’ Recurring expense reminders β€’ Smart spending insights β€’ Monthly financial reports β€’ Export data to CSV β€’ Clean and minimal design SMART WIDGETS Log expenses quickly from your home screen with widgets that adapt to your most used categories. BUILT FOR SIMPLICITY Most finance apps are complicated. SpendLoop focuses on simplicity so you can track expenses effortlessly. Perfect for: β€’ Students managing daily expenses β€’ Professionals tracking spending β€’ Families planning their budget β€’ Anyone who wants better control over their finances Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Mochi4 screens
SpendLoop4 screens

Verdict

The call

The clearest difference is update cadence: Mochi at every 3 days against SpendLoop's every 3 weeks. SpendLoop's advantage is iOS requirement (17 vs 26.0). 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. Mochi sells 3 in-app purchases, starting at $2.99 per month and SpendLoop sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Mochi ships an update every 3 days, SpendLoop every 3 weeks. The most recent releases landed on August 21, 2026 and September 17, 2026 respectively.

Scorecard2 real differences Β· 6 level
Mochi versus SpendLoop: the parameters behind the verdict, then further details
ParameterMochiSpendLoop
PriceFreeFree
Positive reviews100.0% of reviewsβ€”
Update frequencyEvery 3 days β€” betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumβ€”
DevicesiPhoneiPhone
Requires iOS26.017 β€” better
Further details β€” not scored
Size19 MB14 MB
Age rating4+4+
DeveloperHarsha ChagantiVikas Mawasi

In-app purchases

3 purchases

Mochi

Subscriptions2
  • Mochi+ Monthly3 Days trial$2.991 Month
  • Mochi+ Annual3 Days trial$19.991 Year
One-time1
  • Mochi+ Lifetime$39.99
3 purchases

SpendLoop

Subscriptions3
  • SpendLoop Pro Monthly7 Days trial$4.991 Month
  • Founding Member Annual$24.991 Year
  • SpendLoop Pro Yearly$29.991 Year

Questions

Is Mochi free?
Mochi is free to download, with in-app purchases available.
Is SpendLoop free?
SpendLoop is free to download, with in-app purchases available.
Do Mochi or SpendLoop have ads?
Neither Mochi nor SpendLoop shows ads.
Which is updated more often, Mochi or SpendLoop?
Mochi ships an update every 3 days, and SpendLoop every 3 weeks. Most recently, Mochi was updated on August 21, 2026 and SpendLoop on September 17, 2026.

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