Comparison

Spenzy vs Rilio

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

Head to head
About

Spenzy

Read full description

Stop wondering where your money goes. See your expenses fast. You do not have a money problem. You have a visibility problem. Money disappears. You do not know where. Most expense tracker apps are slow, complicated, and you give up. Spenzy fixes that. Track expenses in seconds Open the app, enter the amount, done. No friction. Get real insights automatically Understand your spending, spot patterns, and see trends without effort. Clear view of your money Simple, visual, and easy to understand at a glance. Stay in control of your budget No spreadsheets. No setup. Just clarity. Automate recurring transactions Set it once and let your expenses track themselves. Private by design Your data stays on your device. No accounts. No tracking. Spenzy is a fast, simple expense tracker and budget app built for clarity. Stop guessing. Start knowing. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Rilio

Features
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Stop wondering where your money went. Rilio is the expense tracker that thinks for you. AI automatically categorises every purchase the moment you log it. No bank logins. No spreadsheets. Just clear answers about where your money is going. Full access to Rilio requires an active subscription. All features are available at subscription pricing, shown at app launch. LOG YOUR WAY 5 WAYS TO ADD A TRANSACTION Type it โ€” "Spent 230 at Starbucks" and Rilio fills in the rest Say it โ€” tap the mic, speak naturally, done hands-free in seconds Paste it โ€” copy a bank SMS, and Rilio parses the amount, merchant, and account instantly Share it โ€” forward any transaction SMS from your phone directly into Rilio Bulk import โ€” paste multiple bank messages at once and import them all in one tap Every method auto-fills the merchant, amount, category, and payment method. You review, confirm, and move on. WHAT YOU GET AI auto-categorisation โ€” type a merchant name, Rilio assigns the right category instantly Real-time budgets โ€” set monthly limits per category and track live progress Deep analytics โ€” top merchants, spending trends, weekday patterns, custom date ranges 165+ currencies โ€” switch anytime, from INR to USD to AED to NGN and beyond AI Insights โ€” plain-language summaries that explain your spending patterns every day HOW IT WORKS โ€ข Log a transaction in under 5 seconds: merchant, amount, done โ€ข AI categorises automatically โ€” Swiggy becomes Food Delivery, Blinkit becomes Grocery Delivery โ€ข Set monthly budget limits per category โ€” watch a live progress bar as you spend โ€ข Open Analytics for your 15-day or 30-day breakdown: categories, merchants, and trends โ€ข Track payment methods โ€” know exactly which card or account each expense came from 59 CATEGORIES. EVERY KIND OF SPENDING. From Groceries to Gaming, Salary to Dividends, Rent to Healthcare, every transaction type is covered. Cash, credit, debit, or digital wallet. YOUR PRIVACY, PROTECTED Rilio never connects to your bank. No screen scraping. No credentials. AI categorisation uses only anonymised merchant names; your amounts and personal details stay private. SUBSCRIPTION REQUIRED All features in Rilio are available with a subscription. Subscription options and pricing are displayed when you first open the app. Payment is charged to your Apple ID account at confirmation. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in your Apple ID account settings. Privacy Policy: https://getrilio.com/privacy Terms of Use (EULA): https://getrilio.com/terms

Screenshots

Spenzy4 screens
Rilio4 screens

Verdict

The call

The clearest difference is update cadence: Spenzy at every 3 days against Rilio's every 3 weeks. Spenzy also leads on iOS requirement (13.0 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Spenzy sells 1 in-app purchase, starting at $2.99 per month and Rilio sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Spenzy ships an update every 3 days, Rilio every 3 weeks. The most recent releases landed on September 7, 2026 and August 4, 2026 respectively.

Scorecard2 real differences ยท 4 level
Spenzy versus Rilio: the parameters behind the verdict, then further details
ParameterSpenzyRilio
PriceFreeFree
Update frequencyEvery 3 days โ€” betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPodiPhone, iPad
Requires iOS13.0 โ€” better17.0
Further details โ€” not scored
Size31 MB85 MB
Age rating4+4+
DeveloperRami Abou JaoudeRaja Niketh Reddy Nallapareddy

In-app purchases

1 purchases

Spenzy

Subscriptions1
  • Spenzy Support Monthly$2.991 Month
2 purchases

Rilio

Subscriptions2
  • Rilio Pro Monthly7 Days trial$4.991 Month
  • Rilio Pro Yearly7 Days trial$44.991 Year

Questions

Is Spenzy free?
Spenzy is free to download, with in-app purchases available.
Is Rilio free?
Rilio is free to download, with in-app purchases available.
Do Spenzy or Rilio have ads?
Neither Spenzy nor Rilio shows ads.
Which is updated more often, Spenzy or Rilio?
Spenzy ships an update every 3 days, and Rilio every 3 weeks. Most recently, Spenzy was updated on September 7, 2026 and Rilio on August 4, 2026.

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