Comparison

Net Worth Tracker vs Spenny

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

Head to head
About

Net Worth Tracker

Features
Read full description

Know your true net worth with complete privacy. Vaultly helps you track assets, debts, cash, property, and investments in one beautiful dashboard — with no bank logins, no ads, and no data collection. Take control of your financial life with a finance tracker built for privacy-first users. TRACK EVERYTHING IN ONE PLACE • Cash accounts • Investments • Property • Loans • Credit cards • Assets & liabilities WHY VAULTLY • 100% private on your device • No bank connections required • Fast and simple setup • Clean modern iPhone experience • Visual wealth dashboard • Track progress over time WHETHER YOU'RE • Building wealth • Paying down debt • Planning retirement • Replacing spreadsheets • Seeking financial clarity Vaultly gives you one clear picture of your finances. Download Vaultly today and start building wealth with confidence. Terms of Use (EULA): https://appvaultly.github.io/Vaultly/terms.html Privacy Policy: https://appvaultly.github.io/Vaultly/privacy.html

About

Spenny

Features
Read full description

The expense tracker that respects your privacy. A simple alternative to Mint, YNAB, Rocket Money, Empower, and Every Dollar — without the cloud. Your money story is yours. Spenny stores everything on your iPhone and syncs only through your personal iCloud account. No accounts to create. No servers we control. No tracking. No ads. WHAT YOU CAN DO • Log expenses and income in seconds — type, scan, or speak • Set monthly budgets by category and watch them fill up • Scan receipts with your camera — Spenny extracts amount, store, and date on-device • Use Quick Entry to type naturally: "12 lunch yesterday" — Spenny figures it out • Speak instead of type with Voice Input — works hands-free • Sync seamlessly across iPhone, Apple Watch, and Home Screen widgets • Share a household budget with your partner via CloudKit • Export everything to CSV anytime, no questions asked • Use Siri Shortcuts and Lock Screen widget for one-tap logging PRIVACY YOU CAN VERIFY Receipts processed on your device. Voice transcribed on your device. Data lives in your iCloud, encrypted, controlled by you. Delete the app and your data goes with it. We collect anonymous diagnostic and crash data to fix bugs — never linked to you, never sold. LOCALIZED IN 9 LANGUAGES English, Türkçe, Deutsch, Español, Français, Italiano, Português (Brasil), 日本語, العربية. SPENNY PRO Unlock the full toolkit: • Quick Entry — natural language input • Scan Receipt — instant receipt parsing • Voice Input — hands-free entries Try Pro free for 3 days. Monthly or yearly subscription. Your subscription auto-renews unless cancelled. Manage anytime in Settings → Apple ID → Subscriptions. Privacy: https://mgokhanyavuz.github.io/spenny-web/privacy.html Terms: https://mgokhanyavuz.github.io/spenny-web/terms.html Built with care by an indie developer. Feedback? mgokhan.yavuz@gmail.com

Screenshots

Net Worth Tracker4 screens
Spenny4 screens

Verdict

The call

The clearest difference is update cadence: Net Worth Tracker at every 2 days against Spenny's every 2 weeks. On price, ads, in-app purchases and device support 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. Net Worth Tracker sells 2 in-app purchases, starting at $6.99 per month and Spenny sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Net Worth Tracker ships an update every 2 days, Spenny every 2 weeks. Both last shipped on October 25, 2026.

Scorecard1 real difference · 5 level
Net Worth Tracker versus Spenny: the parameters behind the verdict, then further details
ParameterNet Worth TrackerSpenny
PriceFreeFree
Update frequencyEvery 2 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesYes
DevicesiPhoneiPhone
Requires iOS18.618.0 — better
Further details — not scored
Size18 MB6 MB
Age rating4+4+
DeveloperAmandeep Singh ChhatwalGokhan Yavuz

In-app purchases

2 purchases

Net Worth Tracker

Subscriptions2
  • Vaultly Pro$6.991 Month
  • Vaultly Pro$49.991 Year
2 purchases

Spenny

Subscriptions2
  • Pro Monthly3 Days trial$3.991 Month
  • Pro Yearly$19.991 Year

Questions

Is Net Worth Tracker free?
Net Worth Tracker is free to download, with in-app purchases available.
Is Spenny free?
Spenny is free to download, with in-app purchases available.
Do Net Worth Tracker or Spenny have ads?
Neither Net Worth Tracker nor Spenny shows ads.
Which is updated more often, Net Worth Tracker or Spenny?
Net Worth Tracker ships an update every 2 days, and Spenny every 2 weeks. Most recently, Net Worth Tracker was updated on October 25, 2026 and Spenny on October 25, 2026.

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