# WhySpend vs M Budget

The clearest difference is monetization model: M Budget at free against WhySpend's free with in-app purchases. On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. WhySpend sells 2 in-app purchases, starting at $7.99 per year and M Budget sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for WhySpend against 5.0 for M Budget. Both are backed by a comparable volume of ratings — 2 and 1 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

WhySpend ships an update weekly, M Budget every 2 weeks. Both last shipped on October 28, 2026.

## The numbers

| Metric | WhySpend | M Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/whyspend-expense-tracker/id6771243456/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/m-budget-expense-tracker/id6780538389/reviews) |
| Number of ratings | **2** | 1 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Weekly** | Every 2 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 29 MB | 35 MB |
| Requires iOS | 18.0 | **17.2** |
| Devices | iPhone, Apple Watch | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [俊宏 刘](https://appshunter.io/developer/1848805585) | [海燕 赵](https://appshunter.io/developer/6780315706) |

## What reviewers say

### WhySpend

[App page](https://appshunter.io/ios/app/whyspend-expense-tracker/id6771243456)

This app helps you track your spending by not only recording the amount but also the emotions behind each purchase. It focuses on understanding mood-driven versus necessity spending with simple logging and insightful reviews. Gain clarity on your financial habits and emotional triggers without complex accounting.

**Highlights:** Log spending with amount, category, and mood, Customizable mood tags, Detailed spending and mood reports, Emotional spending trend analysis, Gentle spending alerts, Post-purchase reflection, iCloud sync for data privacy

**Features:** macOS Compatibility, Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Yearly | $7.99 | per year |
| Pro Lifetime | $14.99 | one-time |


### M Budget

[App page](https://appshunter.io/ios/app/m-budget-expense-tracker/id6780538389)

This app helps you manage your finances with simple expense tracking, clear charts, and budget alerts. It prioritizes privacy with 100% on-device storage and no data collection. Track accounts, assets, and liabilities to gain better financial control.

**Highlights:** Fast expense and income logging, Calendar view for daily spending, Powerful statistical charts, Net worth tracking, Budget setting and alerts, Multi-account management, On-device data storage

**Features:** macOS Compatibility, Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| M Budget Pro | $14.99 | one-time |


## Frequently asked questions

### Is WhySpend free?

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

### Is M Budget free?

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

### Which has better reviews, WhySpend or M Budget?

WhySpend and M Budget are both rated 5.0 out of 5 on the App Store, from 2 and 1 ratings respectively.

### Do WhySpend or M Budget have ads?

Neither WhySpend nor M Budget shows ads.

### Which is updated more often, WhySpend or M Budget?

WhySpend ships an update weekly, and M Budget every 2 weeks. Most recently, WhySpend was updated on October 28, 2026 and M Budget on October 28, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*