# Expense Chat Tracker vs SpendByMe

The clearest difference is in-app purchases: Expense Chat Tracker at none against SpendByMe's 7. On price, update cadence, ads and device support there is nothing between them.

Both are free to download. SpendByMe sells 7 in-app purchases, starting at $1.99 per month. Expense Chat Tracker asks for nothing beyond the download.

Expense Chat Tracker ships an update every 10 days, SpendByMe every 5 days. The most recent releases landed on September 17, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | Expense Chat Tracker | SpendByMe |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | — | 60.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 10 days | **Every 5 days** |
| Monetization | — | Free with in-app purchases |
| Size | 52 MB | 90 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Sumit Vairagar](https://appshunter.io/developer/1890154285) | [Abhinav Ranjan Jha](https://appshunter.io/developer/1890999305) |

## What reviewers say

### Expense Chat Tracker

[App page](https://appshunter.io/ios/app/expense-chat-tracker/id6761528247)

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

**In-app purchases:** none


### SpendByMe

[App page](https://appshunter.io/ios/app/spendbyme/id6761703663)

Effortlessly manage your finances with an AI-powered app that automatically tracks expenses, subscriptions, and bills by analyzing SMS and email. Gain clarity on your spending without manual entry, organize transactions with smart categorization, and monitor credit card usage and upcoming payments.

**Highlights:** Automatic expense tracking via SMS/email, Smart expense categorization, Credit card bill and due date tracking, Subscription, loan, and EMI tracker, Expense splitting with friends/couples, Budget planner and goal tracking, Spending map and insights

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

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendByMe Pro - Monthly | $1.99 | per month |
| Spendbyme Plus Monthly | $3.99 | per month |
| Spendbyme Max Monthly | $7.99 | per month |
| SpendByMe Pro 6 Months | $7.99 | per 6 months |
| SpendByMe Pro 1 Year | $14.99 | per year |
| Spendbyme Plus Yearly | $29.99 | per year |
| Spendbyme Max Yearly | $59.99 | per year |


## Frequently asked questions

### Is Expense Chat Tracker free?

Expense Chat Tracker is free to download, with no in-app purchases.

### Is SpendByMe free?

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

### Do Expense Chat Tracker or SpendByMe have ads?

Neither Expense Chat Tracker nor SpendByMe shows ads.

### Which is updated more often, Expense Chat Tracker or SpendByMe?

Expense Chat Tracker ships an update every 10 days, and SpendByMe every 5 days. Most recently, Expense Chat Tracker was updated on September 17, 2026 and SpendByMe on September 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.*