# Finwatch vs Spent.

The clearest difference is rating: Finwatch at 5.0 against Spent.'s 3.0. Finwatch also leads on update cadence (every 3 days vs every 10 days) and ratings volume (9 vs 2). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Finwatch sells 2 in-app purchases, starting at $5.99 per month and Spent. sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Finwatch holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 9 and 2 respectively.

Finwatch ships an update every 3 days, Spent. every 10 days. The most recent releases landed on October 6, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Finwatch | Spent. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (9 ratings)](https://appshunter.io/ios/app/finwatch-spending-tracker/id6759948368/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/spent-spending-tracker/id6762553615/reviews) |
| Number of ratings | **9** | 2 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 3 days** | Every 10 days |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 85 MB | 34 MB |
| Requires iOS | **16.4** | 18.6 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 17+ | 4+ |
| Developer | [Finwatch LLC](https://appshunter.io/developer/1881870269) | [Chee Leong CHONG](https://appshunter.io/developer/1894661281) |

## What reviewers say

### Finwatch

[App page](https://appshunter.io/ios/app/finwatch-spending-tracker/id6759948368)

Effortlessly track spending, monitor net worth, and manage budgets without complex features. Securely link bank accounts, visualize financial trends, and set smart goals. Get a clear overview of your money with intuitive tools.

**Highlights:** Secure bank account connections, Net worth tracking with charts, Spending insights and trends, Smart budgeting with suggestions, Transaction review and categorization, Customizable reminders and notifications

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $5.99 | per month |
| Pro Annual | $54.99 | per year |


### Spent.

[App page](https://appshunter.io/ios/app/spent-spending-tracker/id6762553615)

This private expense tracker uses on-device AI to log spending, scan receipts, and provide instant answers about your finances. Set monthly budgets and track your money without an account or cloud storage.

**Highlights:** On-device AI expense tracking, Receipt scanning with AI extraction, Natural language logging, Monthly budgeting per category, Instant spending insights, No account or cloud required, Multi-currency support

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| AI Unlock | $4.99 | one-time |


## Frequently asked questions

### Is Finwatch free?

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

### Is Spent. free?

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

### Which has better reviews, Finwatch or Spent.?

Finwatch is rated higher. Finwatch averages 5.0 out of 5 from 9 ratings, while Spent. averages 3.0 from 2 ratings.

### Do Finwatch or Spent. have ads?

Neither Finwatch nor Spent. shows ads.

### Which is updated more often, Finwatch or Spent.?

Finwatch ships an update every 3 days, and Spent. every 10 days. Most recently, Finwatch was updated on October 6, 2026 and Spent. on October 25, 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.*