Comparison

MoneyTrack vs Checkbook

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

Head to head
About

MoneyTrack

This personal finance app offers a private and secure way to track your spending and manage budgets. It features unlimited accounts, smart budget pots, and multi-currency support, with quick entry options via Siri and widgets. Data remains on your device, ensuring privacy.

Highlights
  • Unlimited accounts, budgets, and transactions
  • Smart budget pots for spending clarity
  • Multi-currency account support
  • Quick-add via Siri and widgets
  • XLSX export and import
  • Clean, native iOS design
Features
Read full description

MoneyTrack is the clean personal finance app that respects your privacy. Everything you log stays on your iPhone: no account, no syncing servers, no analytics, no advertising. • Unlimited accounts, budgets and transactions • Smart budget pots linked to your accounts for instant spending clarity • Period summaries: month, year, past N days, or synced to your custom pay cycle • Multi-currency accounts with custom transfer rates between them • Quick-add via Siri, Shortcuts, Action Button, Back Tap or Lock Screen widget • XLSX export & import • Clean, native iOS design - feels built into your phone Try it free for 7 days. Ā£0.99/month or Ā£9.99/year: ad-free, tracker-free, and yours. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Checkbook

Features
Read full description

Your checkbook. Your everyday spending, clearly. Record income and expenses, check your recorded balance and see where your money goes. Add entries manually, without a bank login. Your register works offline. RECORD IN SECONDS • Add expenses, income, refunds and transfers. • Include a payee, category and date, with an optional note or check number. • Search, filter and mark entries cleared. KEEP YOUR REGISTER CLEAR • Compare recorded and cleared balances. • Reconcile against your bank statement and see the difference. • Organize checking, savings, cash and credit card accounts. SEE YOUR SPENDING • Explore category charts, trends and cash flow. • Focus on one account or choose a report range. • Set category budgets with Checkbook Plus. PLAN BILLS WITH PLUS • Schedule recurring bills and income. • Repeat weekly, every two weeks, monthly, quarterly or yearly. • Enable reminders and choose whether due entries record automatically. YOUR DATA, YOUR CHOICES • Use your ledger locally or choose Sync & Sharing. Shared ledger data is stored on our sync service when sharing is enabled. • Turn optional usage analytics off in Settings. Financial amounts, payees and notes are not sent in analytics. • Protect the app with Face ID. • Export or import a full backup, and use CSV import and export. • Choose light or dark mode. The app initially follows your device language. WHAT IS INCLUDED One active account, unlimited entries, reconciliation, backups and CSV tools are free. Reports for today, the last seven days and the current month are included. No ads. CHECKBOOK PLUS An optional purchase adds unlimited accounts, budgets, recurring payments, bill reminders and more report ranges, including all time. Monthly and yearly subscriptions and a one-time purchase are available. Prices, billing periods and any eligible trial offer are shown in the app before you buy. The one-time purchase does not renew. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends. Manage or cancel subscriptions in your Apple Account settings. Privacy Policy: https://grey-entree-512.notion.site/Checkbook-Privacy-3d74abc1b144800caa1ae2ca8024c6db Terms of Use: https://grey-entree-512.notion.site/Checkbook-Terms-3d74abc1b14480aa84a2cacf6aa08cb9 Apple EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

MoneyTrack4 screens
Checkbook4 screens

Verdict

The call

The clearest difference is update cadence: MoneyTrack at every 3 days against Checkbook's every 10 days. MoneyTrack 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 Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

Both are free to download. MoneyTrack sells 3 in-app purchases, starting at $0.99 per month and Checkbook sells 5 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

MoneyTrack ships an update every 3 days, Checkbook every 10 days. The most recent releases landed on October 7, 2026 and October 25, 2026 respectively.

Scorecard2 real differences Ā· 5 level
MoneyTrack versus Checkbook: the parameters behind the verdict, then further details
ParameterMoneyTrackCheckbook
PriceFreeFree
Update frequencyEvery 3 days — betterEvery 10 days
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.0 — better17.0
Further details — not scored
Size17 MB26 MB
Age rating4+4+
DeveloperMatthew KingHaresh Lakhwani

In-app purchases

3 purchases

MoneyTrack

Subscriptions3
  • MoneyTrack Monthly7 Days trial$0.991 Month
  • MoneyTrack Yearly7 Days trial$9.991 Year
  • MoneyTrack Premium7 Days trial$29.991 Year
5 purchases

Checkbook

Subscriptions4
  • Checkbook Plus Monthly$2.991 Month
  • Checkbook Plus Monthly$4.991 Month
  • Checkbook Plus Yearly3 Days trial$19.991 Year
Show 1 more
  • Checkbook Plus Yearly3 Days trial$24.991 Year
One-time1
  • Checkbook Plus Lifetime$39.99

Questions

Is MoneyTrack free?
MoneyTrack is free to download, with in-app purchases available.
Is Checkbook free?
Checkbook is free to download, with in-app purchases available.
Do MoneyTrack or Checkbook have ads?
Neither MoneyTrack nor Checkbook shows ads.
Which is updated more often, MoneyTrack or Checkbook?
MoneyTrack ships an update every 3 days, and Checkbook every 10 days. Most recently, MoneyTrack was updated on October 7, 2026 and Checkbook on October 25, 2026.

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