# SmartSpend vs Encria

The clearest difference is ads: Encria at none against SmartSpend's shown. Encria also leads on update cadence (every 4 days vs every 9 days). SmartSpend's advantage is iOS requirement (15.1 vs 18.0). On price, in-app purchases 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 and Encria sells 4 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

SmartSpend ships an update every 9 days, Encria every 4 days. The most recent releases landed on October 2, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | SmartSpend | Encria |
| --- | --- | --- |
| 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 4 days** |
| Monetization | Free with in-app purchases | — |
| Size | 65 MB | 18 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) | [Teo Goulois](https://appshunter.io/developer/1856960693) |

## 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 |


### Encria

[App page](https://appshunter.io/ios/app/encria/id6796822973)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Encria Pro Monthly | $4.99 | per month |
| Encria Pro Yearly | $34.99 | per year |
| 100 OCR Page Credits | $1.99 | one-time |
| Encria Pro Lifetime | $179.99 | one-time |


## Frequently asked questions

### Is SmartSpend free?

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

### Is Encria free?

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

### Do SmartSpend or Encria have ads?

SmartSpend shows ads; Encria does not.

### Which is updated more often, SmartSpend or Encria?

SmartSpend ships an update every 9 days, and Encria every 4 days. Most recently, SmartSpend was updated on October 2, 2026 and Encria on October 10, 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.*