Comparison

SpendByMe vs ExpenseBook

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

Head to head
About

SpendByMe

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
Read full description

Stop tracking expenses manually. Most expense tracker apps expect you to enter everything yourself. That’s where people give up. SpendByMe is an AI-powered SMS & email-based automatic money management app that helps you track expenses, subscriptions, credit card bills, EMIs, and upcoming payments automatically. Instead of manually entering transactions, SpendByMe analyzes transactional SMS messages, statement emails, receipts, and bank statements to organize your finances automatically. No spreadsheets. No daily effort. No confusion. Just clarity. Works with almost every major currency worldwide. ▶ Track your money in 3 simple ways 1. Automatic expense tracking Transactions can be tracked automatically using transactional SMS messages and email alerts. Connect your email to fetch transaction alerts and credit card statements automatically. 2. Paste any transaction Paste a bank message and it gets categorized and added instantly. 3. Manual entry Add amount, merchant, and account. SpendByMe completes the rest automatically. ▶ Smart expense categorization • Automatically categorizes your transactions • Learns from your usage and improves over time • Set custom rules for full control • No need to fix categories again and again ▶ All your money in one place • Bank accounts, credit cards, wallets, and cash • Automatic balance tracking • One clean view of your finances • Automatic currency conversion support No switching between apps. No guesswork. ▶ Smart credit card management • Track credit card bills, due dates, and limits • Monitor spending across multiple cards • Understand your real credit usage • Avoid missed payments and late fees ▶ Subscription, loan & EMI tracker • Detect subscriptions, EMIs, loans, and recurring payments • Track upcoming payments and due dates • Avoid missed payments and hidden charges ▶ Splits with friends & couples • Split expenses with friends instantly • Track shared expenses for trips and groups • Manage couple expenses easily • Send reminders in one tap ▶ Tags & sub-tags for better organization • Organize transactions using tags and sub-tags • Track reimbursements and shared payments • Create trip budgets and event budgets • Filter transactions exactly how you want ▶ Spending map & smart insights • See where you spend money on a map • Track location-based spending habits ▶ Upcoming payments & invoice tracker • Track upcoming bills and payments • Create and manage invoices ▶ Budget planner & goal tracking • Create budgets in seconds • Track savings goals and financial targets ▶ Accurate financial tracking • Separates expenses, income, and transfers properly • Clean and reliable data • Search any transaction instantly • Real insights into your spending ▶ Powerful search & insights • Search transactions, tags, merchants, or notes instantly • AI-powered insights • Understand where your money goes Privacy-first expense tracker ▶ Your data stays yours. • Everything stays on your device unless you enable sync • Only transactional messages and emails are processed • No access to personal chats • No unnecessary data collection SpendByMe does not read personal chats, OTPs, or unrelated messages. Flexible and easy to use • Want full automation? It’s there • Prefer manual control? That works too SpendByMe adapts to you. Gets smarter over time. The more you use it, the better it becomes. Better categorization. Better accuracy. Less effort. Take control of your money today. Download SpendByMe — your smart expense tracker, budget planner, subscription tracker, split expense app, EMI tracker, credit card manager, and automatic money management app. Terms of Use: This app uses the standard Apple Licensed Application End User License Agreement (EULA). You can find it here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

ExpenseBook

Effortlessly track daily expenses, manage multiple accounts, and set budgets with intuitive tools. Analyze spending habits through visual reports and secure your financial data locally. Offers multi-language support and optional premium features for advanced users.

Highlights
  • Multi-wallet management
  • Category & subcategory tagging
  • Intuitive budget planner
  • Graphical spending reports
  • Local security with biometrics
  • Multi-language support
Features
Read full description

ExpenseBook is the ultimate personal finance tracker designed to help you take control of your financial life. Easily monitor your daily expenses, manage multi-account wallets, set strict budgets, and analyze spending habits with beautiful visual reports. Whether you want to track daily coffee expenses, manage household budgets, or split payee logs, ExpenseBook makes it simple, secure, and intuitive. Key Features: • Multi-Wallet Management: Create custom accounts for credit cards, banks, and cash with personalized colors. • Category & Subcategory Tagging: Group transaction details by parent categories (e.g. Salary, Utilities, Food) and view subcategories for deeper insights. • Intuitive Budget Planner: Set monthly or yearly budget limits by category or wallet to keep your spending in check. • Rich Graphical Reports: Analyze income vs. expense ratios and payment mode splits with interactive, clean charts. • Local Security & Backups: Protect your private logs with Face ID biometric authentication and secure local database exports. • Seamless Multi-Language Support: Fully localized for regional user settings (Hindi, English UK, etc.). Upgrade to ExpenseBook Pro: Unlock premium capabilities including unlimited attachments, advanced custom subcategories, and secure cloud backups. Start your journey to financial freedom today. Download ExpenseBook! MEMBERSHIP SUBSCRIPTION: You can subscribe for unlimited access to all features in the app. Payment will be charged to the iTunes Account at confirmation of purchase. Terms & Conditions: https://jeky1990.github.io/fakePostTerms.io/TOU Privacy Policy: https://jeky1990.github.io/fakePostPrivacy.io/

Screenshots

SpendByMe4 screens
ExpenseBook4 screens

Verdict

The call

The clearest difference is review sentiment: ExpenseBook at 100% against SpendByMe's 59%. On price, ads, in-app purchases and monetization model 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

Both are free to download. SpendByMe sells 7 in-app purchases, starting at $1.99 per month and ExpenseBook sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Scorecard1 real difference · 7 level
SpendByMe versus ExpenseBook: the parameters behind the verdict, then further details
ParameterSpendByMeExpenseBook
PriceFreeFree
Positive reviews58.8% of reviews100.0% of reviews — better
Update frequencyEvery 5 days—
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.015.6 — better
Further details — not scored
Size90 MB40 MB
Age rating4+4+
DeveloperAbhinav Ranjan JhaJaykishan Moradiya

Customer experience

SpendByMe

Written reviews17 reviews
Positive58.8%
Neutral5.9%
Negative35.3%

ExpenseBook

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

In-app purchases

7 purchases

SpendByMe

Subscriptions7
  • SpendByMe Pro - Monthly$1.991 Month
  • Spendbyme Plus Monthly$3.991 Month
  • Spendbyme Max Monthly$7.991 Month
Show 4 more
  • SpendByMe Pro 6 Months$7.996 Months
  • SpendByMe Pro 1 Year$14.991 Year
  • Spendbyme Plus Yearly$29.991 Year
  • Spendbyme Max Yearly$59.991 Year
1 purchases

ExpenseBook

One-time1
  • Expense Diary Lifetime$9.99

Questions

Is SpendByMe free?
SpendByMe is free to download, with in-app purchases available.
Is ExpenseBook free?
ExpenseBook is free to download, with in-app purchases available.
Do SpendByMe or ExpenseBook have ads?
Neither SpendByMe nor ExpenseBook shows ads.

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