Comparison

SpendByMe vs Finora

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

Finora

Features
Read full description

Take control of your money with Finora — your simple expense and income tracker. Finora helps you keep track of your daily spending, income, accounts, and overall finances in one easy-to-use app. Whether you want to understand your monthly spending, monitor your income, or simply build better money habits, Finora makes personal finance easier to manage. Track Expenses Quickly record your daily expenses and see where your money goes. • Add expenses in seconds
• Organize transactions by category
• Track spending by account
• Review your daily and monthly expenses Track Income Keep your income organized alongside your expenses. • Record income transactions
• Organize income by category
• See your total income
• Compare income and expenses Manage Transfers Move money between your accounts while keeping your transactions organized. • Transfer money between accounts
• Track source and destination accounts
• Keep your balances organized Understand Your Finances Get a clearer picture of your financial activity. • Daily financial overview
• Monthly summaries
• Income and expense totals
• Category-based spending insights
• Recent transaction history Manage Your Accounts Keep your different money accounts together in one place. • Cash
• Bank accounts
• Other personal accounts
• Account balances Stay Consistent Use reminders to help build the habit of recording your daily transactions. Your Personal Finance, Simplified Finora is designed to make expense tracking simple, organized, and easy to understand. Start tracking your money today with Finora. Finora — Expense & Income Tracker Privacy & Security https://praveenraman.github.io/finoraexpense/privacy-policy.html Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ https://praveenraman.github.io/finoraexpense/terms-and-conditions.html Support If you love the app, please rate us on the App Store! For support, contact us

Screenshots

SpendByMe4 screens
Finora4 screens

Verdict

The call

The clearest difference is in-app purchases: Finora at none against SpendByMe's 7. SpendByMe's advantage is update cadence (every 5 days vs every 3 weeks). On price, 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

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

UpkeepUpdate frequency

SpendByMe ships an update every 5 days, Finora every 3 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 6 level
SpendByMe versus Finora: the parameters behind the verdict, then further details
ParameterSpendByMeFinora
PriceFreeFree
Positive reviews58.8% of reviews—
Update frequencyEvery 5 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.015.6 — better
Further details — not scored
Size90 MB45 MB
Age rating4+4+
DeveloperAbhinav Ranjan JhaPraveen Kumar

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
None

Finora

No in-app purchases

Questions

Is SpendByMe free?
SpendByMe is free to download, with in-app purchases available.
Is Finora free?
Finora is free to download, with no in-app purchases.
Do SpendByMe or Finora have ads?
Neither SpendByMe nor Finora shows ads.
Which is updated more often, SpendByMe or Finora?
SpendByMe ships an update every 5 days, and Finora every 3 weeks. Most recently, SpendByMe was updated on October 25, 2026 and Finora on October 24, 2026.

Other comparisons