Spending Tracker vs Money Tracker 2
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spending Tracker
Easily track your daily expenses and manage your budget without feeling overwhelmed. Visualize your spending habits with colorful breakdowns and set category limits to save for your goals. Get a clear financial picture with quick, friendly insights.
- Track daily expenses
- Stay on budget
- Visualize spending categories
- Save for goals
- Home screen widgets
- Manage recurring charges
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Mochi Money: track spending, stay on budget, save more. Money stress is common, and Mochi Money keeps the tracking part small. Log your morning coffee in a few taps, see where this month's money went, and reach the end of the month with something left over. Mochi is a friendly little tracker for people who aren't accountants. Logging a spend takes about ten seconds, and the app never makes you feel bad about what you spent, so it's easy to open every day. What Mochi helps you do Know where your money went Add every coffee, ride and impulse buy with a few taps. By the end of the month you'll have a clear picture you can act on, where before you had a guess. See your spending by category A colour-coded breakdown shows which categories take the biggest share of your pay, from groceries and eating out to subscriptions. You won't need a spreadsheet or a calculator. Stay on budget Set a monthly limit for each category once. Mochi shows how much is left as you spend, so you can see you're getting close before you go over. Save for the things you want Create a wallet for the trip to Japan, the first car or the moving-out fund, and watch its progress bar fill as you put money aside. Check in from your home screen Mochi's widgets show what you've spent this month compared with a usual month, and what's left of your budget, without opening the app. Keep track of recurring charges Add your subscriptions and bills once. Mochi logs them when they come due, so payday has fewer surprises. Log a spend without opening the app With Quick Log, double-tap the back of your iPhone, press the Action Button or ask Siri, and the expense is saved. Easy to pick up Mochi uses plain words and stays out of your way. It's quick, friendly and a little bit cute, and after a week or so of logging, your spending starts to make sense. Saving for your first apartment? Spending too much on takeout? Anxious every time your bank sends a notification? Mochi can help. Download Mochi Money and start looking after your money in a calmer way.
Money Tracker 2
This app offers a simple and private way to track your expenses and income. It focuses on quick transaction logging with emoji categories and provides visual monthly overviews of your spending habits. Your financial data is stored securely on your device.
- Quick transaction logging
- Visual monthly spending overview
- Emoji-based categories
- Local data storage for privacy
- Data export and import
- Dark mode support
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Money Tracker 2 - Simple, Private Expense Tracking Take control of your finances with an intuitive expense tracker designed for everyday use. No sign-ups, no cloud accounts - your data stays on your device. Quick & Easy Logging - Add transactions in seconds. Pick an emoji category, enter the amount, and you're done. The smart numpad automatically formats cents so you never need to type a decimal point. Visual Monthly Overview - See where your money goes at a glance. Color-coded category rings show your spending breakdown, with income, expenses, and net savings summarized for each month. Tap any category to see individual transactions. Emoji Categories - 20 built-in categories - Food, Groceries, Transportation, Housing, Entertainment, and more - each with a distinct icon for instant recognition. Month-by-Month Navigation - Scroll through your full transaction history with the month picker. It automatically extends back to your earliest transaction. Export & Import - Back up your data or transfer it between devices. Export everything as a ZIP file, and import it back anytime. Dark Mode - Full dark mode support that follows your system setting, or choose light/dark manually. Multi-Language - Available in English and Chinese (Simplified). Privacy First - All data is stored locally on your device. No accounts, no servers, no tracking. Your financial data never leaves your phone. Pro Features - Detailed transaction lists, account management, budgets, category rules, and tags - unlock the full toolkit when you want finer control over your finances. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is update cadence: Money Tracker 2 at every 2 days against Spending Tracker's every 3 months. Money Tracker 2 also leads on iOS requirement (15.1 vs 26.2). On price, rating, ratings volume and ads 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
Both are free to download. Spending Tracker sells 1 one-off in-app purchase and Money Tracker 2 sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 5.0 for Spending Tracker against 5.0 for Money Tracker 2. Both are backed by a comparable volume of ratings — 1 and 2 respectively.
Spending Tracker ships an update every 3 months, Money Tracker 2 every 2 days. The most recent releases landed on October 31, 2026 and October 24, 2026 respectively.
| Parameter | Spending Tracker | Money Tracker 2 |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (2 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 1 | 2 — better |
| Update frequency | Every 3 months | Every 2 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 26.2 | 15.1 — better |
| Further details — not scored | ||
| Size | 30 MB | 50 MB |
| Age rating | 4+ | 4+ |
| Developer | Pratish Shrestha | Meng Cao |
Customer experience
Spending Tracker
Money Tracker 2
In-app purchases
Spending Tracker
- Mochi Money Pro$12.99
Money Tracker 2
- Money Tracker Pro (Monthly)$1.991 Month
- Money Tracker Pro (Yearly)$19.991 Year









