# SpendByMe vs Finfolio

The clearest difference is in-app purchases: Finfolio at none against SpendByMe's 7. SpendByMe's advantage is iOS requirement (16.0 vs 26.1). 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. Finfolio asks for nothing beyond the download.

SpendByMe ships an update every 5 days, Finfolio every 4 days. The most recent releases landed on October 16, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | SpendByMe | Finfolio |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 58.8% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 5 days | **Every 4 days** |
| Monetization | Free with in-app purchases | — |
| Size | 90 MB | 10 MB |
| Requires iOS | **16.0** | 26.1 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Abhinav Ranjan Jha](https://appshunter.io/developer/1890999305) | [Priyeshkumar Patel](https://appshunter.io/developer/1832144037) |

## What reviewers say

### 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 |


### Finfolio

[App page](https://appshunter.io/ios/app/finfolio/id6761849039)

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

**In-app purchases:** none


## Frequently asked questions

### Is SpendByMe free?

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

### Is Finfolio free?

Finfolio is free to download, with no in-app purchases.

### Do SpendByMe or Finfolio have ads?

Neither SpendByMe nor Finfolio shows ads.

### Which is updated more often, SpendByMe or Finfolio?

SpendByMe ships an update every 5 days, and Finfolio every 4 days. Most recently, SpendByMe was updated on October 16, 2026 and Finfolio on October 13, 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.*