Spending Tracker vs SpendMo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spending Tracker
Easily track your expenses and manage your budget with a simple, user-friendly interface. Set monthly limits for categories, create savings goals, and view your spending habits at a glance. Log expenses quickly and get insights into where your money goes.
- Fast expense logging
- Spending by category charts
- Monthly budget setting
- Savings goals creation
- Home screen widgets
- Recurring charge tracking
- Quick Log via Siri/Action Button
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Mochi Money: track spending, stay on budget, save more. Mochi Money is a simple expense tracker for people who aren't accountants. Logging a spend takes a few taps, and you can see where this month's money went at any time. It's a little bit cute and uses plain words. It also never makes you feel bad about what you spent, so it's easy to open every day. FEATURES • Fast logging: add an expense in about ten seconds • Spending by category: a colour-coded chart shows where your money goes • Monthly budgets: set a limit for each category and see how much is left • Savings goals: make a wallet for a trip, a car or a move, and watch it fill up • Home screen widgets: see this month's spending and your remaining budget without opening the app • Recurring charges: add subscriptions and bills once, and Mochi logs them when they're due • Quick Log: save an expense with Back Tap, the Action Button or Siri 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 of where it all went and what you might change. 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 tell you're getting close before you go over. Save for the things you want Create a wallet for the trip to Japan, your 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 how much of your budget is left. 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. After a week or so of logging, your spending starts to make sense. If you're saving for your first apartment or spending too much on takeout, Mochi can help you keep track.
SpendMo
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Track expenses in seconds privately, on your phone. SpendMo is a simple expense tracker built for speed. Log an amount, pick a category, done. No accounts, no bank sync, no cloud. Your spending stays on this device. SEE WHERE YOUR MONEY GOES - Dashboard totals for today, this week, and this month - Weekly spending chart so patterns are obvious at a glance - Recent expenses ready to edit or delete LOG FAST, STAY CONSISTENT - Add expenses in a few taps - Custom categories that match how you actually spend - Recurring expenses for rent, subscriptions, and other bills - Optional daily reminder so you never forget to log HOME SCREEN WIDGET See today, this week, and this month without opening the app. Add the widget anytime from Settings. YOUR DATA, YOUR DEVICE - No sign-up - No analytics tracking your finances - Works offline - Export to CSV whenever you need a backup or spreadsheet Built for people who want a clean spending tracker — not another bank-linked finance suite. Premium feature Requires a subscription. $4.99 weekly $19.99 yearly Terms of Use: https://spendmo-web.vercel.app/terms-of-service Privacy Policy: https://spendmo-web.vercel.app/privacy-policy
Screenshots
Verdict
The clearest difference is iOS requirement: SpendMo at 14.0 against Spending Tracker's 26.2. On price, ads, in-app purchases and device support 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 SpendMo sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.
| Parameter | Spending Tracker | SpendMo |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 1 — better | — |
| Update frequency | Monthly | — |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 26.2 | 14.0 — better |
| Further details — not scored | ||
| Size | 30 MB | 29 MB |
| Age rating | 4+ | 4+ |
| Developer | Pratish Shrestha | Pinak Faldu |
In-app purchases
Spending Tracker
- Mochi Money Pro$12.99
SpendMo
- SpendMo Monthly Access$4.991 Month
- Spendmo yearly Access$19.991 Year
- Lifetime App Access$29.99









