Comparison

Spending Tracker vs LoanFlow

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Spending Tracker

This finance app helps you track spending, build budgets, and manage debt. It offers multiple input methods, including voice and receipt scanning, with a focus on user privacy and ease of use. A 30-day free trial provides full access without ads or restrictions.

Highlights
  • Automated budget creation
  • Multiple spending input methods (voice, scan, screenshot)
  • Debt tracking and management
  • Spending insights and charts
  • Overspend alerts
  • Tracking streaks for motivation
Features
Read full description

Finally! A spending tracker that builds a budget FOR you. Saving money couldn’t be easier. Try for free. No bank link needed. Life’s getting harder! Thank you, Mr Politician. However… Many reports show tracking your spending can save you over $1,000 per year. That’s why I started tracking my money about a decade ago. Hi, I’m James, and I built KeepyCash :) Why? Because the big-name budgeting app I used went up to $109 per YEAR! I wanted to track my spending, clearly see where my money was going… … and stop worrying if I had enough money to pay my (ever-rising) bills. (The cost of living's gone MAD!) With two decades of software engineering under my belt, I had an obvious idea: “I’ll make my own, and make it better and cheaper.” And KeepyCash was born. You can try it for yourself, for free (more on that in a sec). It’s super-easy to use. You can track your spending only… … OR have KeepyCash build a budget FOR you! Yep. If you want a budget, we do it for you. Building a budget yourself can take hours. It can be overwhelming. Because money can get messy. Personally, I’m balancing our income, mortgage, two young kids, car payments and all the other expenses that come with a “full life”. Yet, having a simple budget and an easy way to stick to it helps me stay on top of my finances instead of them spiraling out of control. And talking of easy ways to track your spending… Pick the easiest way for you. There are 4 to choose from: - Type it in - Voice command - Scan a receipt with your camera - Take a screenshot of your bank statement (image is NOT stored - perfect privacy while tracking multiple expenses) Just do what works for you :) Now, about “trying KeepyCash for free”. I noticed many budgeting apps claiming to be free. But they all come with one of these 3 caveats: 1 - You’ll get slammed with ads 2 - It’s free for only 3 days (sometimes up to 7 days - but not long enough to make a difference) 3 - You're locked out of the features you actually want Of course, the fix to each of the above is to pay for some kind of ‘upgrade’. It’s not like that with KeepyCash. We ARE a paid app, because we’re serious about helping. However, you can try us for FREE with NO ads, completely UNRESTRICTED access, and for a FULL 30 DAYS, so you can truly find out if KeepyCash works for you, with no pressure. I thought you’d appreciate being told upfront. I know I would. What Else Can You Do With KeepyCash? - Easily track your spending, so you can keep more of what you earn - Build “tracking streaks” - a fun way to make keeping money addictive - Create a budget so you can give every dollar (or Pound or Euro) a job - Debt Tracker Mode: Use it to track your progress, save money on interest, and become debt-free - Quick-glance spending insights - You don’t need to be an accountant to read our simple charts that show you where your money is going - Overspend alerts that help you stay on track and in control - GuardianMode: Helps protect your money from repeat spending - A load of other simple and useful tools to help you get good with your money A Note About Privacy: We don’t link to your bank account. If the likes of Yahoo and Sony can get hacked, anyone can. Yet, if that happened to KeepyCash, they wouldn’t get their grubby mitts on your bank details because we don’t store them. HA! Suck on that, hackers! You can download KeepyCash right now, for free, and use it to get control of your money. And if you need help using it, I’ll be there to give you a hand. Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: https://www.keepycash.com/privacy.html Subscription Details KeepyCash is available as a monthly or annual subscription Payment is charged to your Apple account at confirmation of purchase Subscription auto-renews unless cancelled at least 24 hours before the end of the current period Manage or cancel anytime in your App Store Account Settings

About

LoanFlow

Easily track personal loans and payments. Input loan details, log repayments, and visualize your progress. Calculate interest paid and projected finish dates, with an option to see savings from extra payments.

Highlights
  • Manage multiple loans
  • Log regular and extra payments
  • Automatic interest/principal breakdown
  • Balance and progress tracking
  • Projected finish dates
  • Extra payment savings calculator
  • CSV export
Features
Read full description

LoanFlow helps you keep track of personal loans in a simple, clear way. Create a loan, enter the amount borrowed, interest rate, loan term, start date, and payment frequency, then track every repayment as you go. Each payment is automatically broken down into interest and principal, so you can see exactly how much of your money is reducing the balance. You can add regular payments, log extra repayments, view your remaining balance, check how much interest you have paid, and see your projected finish date. The extra payment calculator also lets you test how paying more could reduce your loan time and save interest. Features include: - Save and manage multiple loans - Log regular and extra payments - Automatic interest and principal breakdowns - Balance and progress tracking - Projected finish dates - Extra payment savings calculator - Payment history ledger - CSV export for your records - Weekly, fortnightly, monthly, and quarterly payment options Loan Tracker is designed for personal loan tracking between family, friends, or private agreements where you want a clean record of what has been paid and what is still owing.

Screenshots

Spending Tracker4 screens
LoanFlow4 screens

Verdict

The call

The clearest difference is price: Spending Tracker at Free against LoanFlow's $0.49. LoanFlow's advantage is in-app purchases (none vs 2) and review sentiment (100% vs 88%). On ads, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Spending Tracker is free to download; LoanFlow costs $0.49 up front. Spending Tracker sells 2 in-app purchases, starting at $19.99 per year. LoanFlow asks for nothing beyond the download.

Scorecard4 real differences · 6 level
Spending Tracker versus LoanFlow: the parameters behind the verdict, then further details
ParameterSpending TrackerLoanFlow
PriceFree — better$0.49
Rating5.0 (2 ratings) — better—
Positive reviews87.5% of reviews100.0% of reviews — better
Number of ratings2 — better—
Update frequencyEvery 5 days—
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases — betterPaid
DevicesiPhone, iPad — betteriPhone
Requires iOS16.416.0 — better
Further details — not scored
Size108 MB6 MB
Age rating4+4+
DeveloperJames RedmanElijah Gleeson

Customer experience

Spending Tracker

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews8 reviews
Positive87.5%
Neutral0.0%
Negative12.5%

LoanFlow

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

2 purchases

Spending Tracker

Subscriptions2
  • Founder Annual1 Month trial$19.991 Year
  • Yearly1 Month trial$49.991 Year
None

LoanFlow

No in-app purchases

Questions

Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Is LoanFlow free?
LoanFlow costs $0.49, with no in-app purchases.
Do Spending Tracker or LoanFlow have ads?
Neither Spending Tracker nor LoanFlow shows ads.

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