# SmartSpend vs Hold It

The clearest difference is ads: Hold It at none against SmartSpend's shown. SmartSpend's advantage is update cadence (every 9 days vs every 2 months). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Both are free to download. SmartSpend sells 2 in-app purchases, starting at $4.99 per month and Hold It sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

SmartSpend ships an update every 9 days, Hold It every 2 months. The most recent releases landed on October 19, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | SmartSpend | Hold It |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/smartspend-expense-tracker/id6759218502/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 9 days** | Every 2 months |
| Monetization | Free with in-app purchases | — |
| Size | 65 MB | 55 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Junaid Younas](https://appshunter.io/developer/1765330451) | [Kamel Djaber](https://appshunter.io/developer/1815976577) |

## What reviewers say

### SmartSpend

[App page](https://appshunter.io/ios/app/smartspend-expense-tracker/id6759218502)

This app helps you manage your finances by tracking expenses, setting budgets, and visualizing spending trends. It offers a simple, privacy-focused experience with offline functionality and data stored locally on your device.

**Highlights:** Expense tracking with categories, Monthly budget planning, Income and expense dashboard, Daily expense logging, Spending trend charts, Offline functionality, Data export to Excel, Smart reminders

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $4.99 | per month |
| Premium Yearly | $50.00 | per year |


### Hold It

[App page](https://appshunter.io/ios/app/hold-it-habit-tracker/id6761814458)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Hold It | $2.99 | per month |
| Premium Hold It | $19.99 | per year |


## Frequently asked questions

### Is SmartSpend free?

SmartSpend is free to download, with in-app purchases available.

### Is Hold It free?

Hold It is free to download, with in-app purchases available.

### Do SmartSpend or Hold It have ads?

SmartSpend shows ads; Hold It does not.

### Which is updated more often, SmartSpend or Hold It?

SmartSpend ships an update every 9 days, and Hold It every 2 months. Most recently, SmartSpend was updated on October 19, 2026 and Hold It on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*