# SmartSpend vs Earned Time

The clearest difference is in-app purchases: Earned Time at none against SmartSpend's 2. Earned Time also leads on ads (none vs shown). SmartSpend's advantage is iOS requirement (15.1 vs 18.0). On price, update cadence and device support there is nothing between them.

Both are free to download. SmartSpend sells 2 in-app purchases, starting at $4.99 per month. Earned Time asks for nothing beyond the download.

SmartSpend ships an update every 9 days, Earned Time fortnightly. The most recent releases landed on October 19, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | SmartSpend | Earned Time |
| --- | --- | --- |
| 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 | **No** |
| Ads | Yes | **No** |
| Update frequency | **Every 9 days** | Fortnightly |
| Monetization | Free with in-app purchases | — |
| Size | 65 MB | 2 MB |
| Requires iOS | **15.1** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Junaid Younas](https://appshunter.io/developer/1765330451) | [Payam Khaninejad](https://appshunter.io/developer/1809637727) |

## 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 |


### Earned Time

[App page](https://appshunter.io/ios/app/earned-time/id6793256472)

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

**In-app purchases:** none


## Frequently asked questions

### Is SmartSpend free?

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

### Is Earned Time free?

Earned Time is free to download, with no in-app purchases.

### Do SmartSpend or Earned Time have ads?

SmartSpend shows ads; Earned Time does not.

### Which is updated more often, SmartSpend or Earned Time?

SmartSpend ships an update every 9 days, and Earned Time fortnightly. Most recently, SmartSpend was updated on October 19, 2026 and Earned Time 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.*