# SpendZero vs Dear Wallet

The clearest difference is in-app purchases: Dear Wallet at none against SpendZero's 4. Dear Wallet also leads on iOS requirement (16.4 vs 18.0). SpendZero's advantage is ads (none vs shown). On price, update cadence and device support there is nothing between them.

Both are free to download. SpendZero sells 4 in-app purchases, starting at $4.99 per 7 days. Dear Wallet asks for nothing beyond the download.

SpendZero ships an update every 6 days, Dear Wallet every 3 days. The most recent releases landed on November 4, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | SpendZero | Dear Wallet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/spendzero-no-spend-challenge/id6761767438/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Every 6 days | **Every 3 days** |
| Monetization | Freemium | — |
| Size | 119 MB | 66 MB |
| Requires iOS | 18.0 | **16.4** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [GW Capital Partners LLC](https://appshunter.io/developer/951886331) | [hyemin kim](https://appshunter.io/developer/1832605693) |

## What reviewers say

### SpendZero

[App page](https://appshunter.io/ios/app/spendzero-no-spend-challenge/id6761767438)

Gamify your savings by tracking no-spend days and earning virtual rewards. Watch your wealth grow visually and stay motivated with streaks, quests, and challenges. The app helps you stop impulse buying and understand your potential savings.

**Highlights:** Gamified no-spend day tracking, Virtual coin vault and calendar, Visual wealth tree growth, Streaks, levels, and badges, Daily and weekly quests, Impulse buy logging, Interactive widgets

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendZero Pro Weekly | $4.99 | per 7 days |
| SpendZero Pro Monthly | $7.99 | per month |
| SpendZero Pro Yearly | $49.99 | per year |
| SpendZero Pro Lifetime | $79.99 | one-time |


### Dear Wallet

[App page](https://appshunter.io/ios/app/dear-wallet-no-spend-tracker/id6817015714)

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

**In-app purchases:** none


## Frequently asked questions

### Is SpendZero free?

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

### Is Dear Wallet free?

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

### Do SpendZero or Dear Wallet have ads?

Dear Wallet shows ads; SpendZero does not.

### Which is updated more often, SpendZero or Dear Wallet?

SpendZero ships an update every 6 days, and Dear Wallet every 3 days. Most recently, SpendZero was updated on November 4, 2026 and Dear Wallet on October 31, 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.*