# Spent. vs Finzy

The clearest difference is rating: Finzy at 5.0 against Spent.'s 3.0. Finzy also leads on in-app purchases (none vs 2) and iOS requirement (16.4 vs 18.6). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Spent. sells 2 one-off in-app purchases. Finzy asks for nothing beyond the download.

Finzy holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 2 and 5 respectively.

Spent. ships an update every 8 days, Finzy every 5 days. The most recent releases landed on November 5, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Spent. | Finzy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/spent-spending-tracker/id6762553615/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/finzy-spending-tracker/id6804288916/reviews)** |
| Number of ratings | 2 | **5** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 8 days | **Every 5 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 40 MB | 51 MB |
| Requires iOS | 18.6 | **16.4** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Chee Leong CHONG](https://appshunter.io/developer/1894661281) | [Naga Sruthi Gullapalli](https://appshunter.io/developer/6793263183) |

## What reviewers say

### Spent.

[App page](https://appshunter.io/ios/app/spent-spending-tracker/id6762553615)

This private expense tracker logs payments from bank alerts and Apple Pay. It uses on-device AI to read screenshots and receipts, offering insights and budget tracking without cloud storage or accounts.

**Highlights:** Private expense tracking, Bank alert and Apple Pay integration, On-device AI for receipt scanning, AI-powered data entry suggestions, Budget creation and tracking, Multi-currency support, Insights by category and merchant

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 7-day Trial | Free | one-time |
| AI Unlock | $4.99 | one-time |


### Finzy

[App page](https://appshunter.io/ios/app/finzy-spending-tracker/id6804288916)

Effortlessly log expenses by speaking, scanning receipts, or quick taps. Set budgets, track bills, and gain insights into your spending habits with AI-powered analysis. All your data stays on your device, with optional cloud backup.

**Highlights:** Voice expense logging, Receipt scanning, Customizable budgets, Bill reminders, AI spending insights, Offline functionality, Data export

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Spent. free?

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

### Is Finzy free?

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

### Which has better reviews, Spent. or Finzy?

Finzy is rated higher. Spent. averages 3.0 out of 5 from 2 ratings, while Finzy averages 5.0 from 5 ratings.

### Do Spent. or Finzy have ads?

Neither Spent. nor Finzy shows ads.

### Which is updated more often, Spent. or Finzy?

Spent. ships an update every 8 days, and Finzy every 5 days. Most recently, Spent. was updated on November 5, 2026 and Finzy on November 6, 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.*