# Money Vault vs SpendBook

The clearest difference is ads: Money Vault at none against SpendBook's shown. SpendBook's advantage is device support (3 vs 1) and iOS requirement (15.6 vs 17.0). On price, update cadence and in-app purchases there is nothing between them.

Both are free to download. Money Vault sells 2 in-app purchases, starting at $6.99 per month and SpendBook sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Both ship on a similar rhythm, roughly every 4 days. The most recent releases landed on November 9, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Money Vault | SpendBook |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (9 ratings)](https://appshunter.io/ios/app/money-vault-expense-tracker/id6759955347/reviews)** | — |
| Number of ratings | **9** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 4 days | Every 4 days |
| Monetization | Freemium | — |
| Size | 54 MB | 78 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Nikita Matievski](https://appshunter.io/developer/1881903523) | [DEVSKREW](https://appshunter.io/developer/1867448636) |

## What reviewers say

### Money Vault

[App page](https://appshunter.io/ios/app/money-vault-expense-tracker/id6759955347)

Effortlessly track expenses using voice commands and AI-powered categorization. Manage multiple currencies, set savings goals, and gain insights into your spending habits. Offers a fun mascot companion and receipt scanning for comprehensive financial management.

**Highlights:** Voice expense input, AI-powered categorization, Multi-currency tracking, Receipt scanning, Savings goals, Smart spending insights, AI financial assistant

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $6.99 | per month |
| Pro Yearly | $39.99 | per year |


### SpendBook

[App page](https://appshunter.io/ios/app/spendbook-expense-tracker/id6761055631)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendBook Monthly | $0.99 | per month |
| SpendBook Yearly | $9.99 | per year |


## Frequently asked questions

### Is Money Vault free?

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

### Is SpendBook free?

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

### Do Money Vault or SpendBook have ads?

SpendBook shows ads; Money Vault does not.

### Which is updated more often, Money Vault or SpendBook?

Money Vault ships an update every 4 days, and SpendBook every 4 days. Most recently, Money Vault was updated on November 9, 2026 and SpendBook on November 5, 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.*