Comparison

Spending Tracker vs Lifin

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

Head to head
About

Spending Tracker

Track your spending, bills, and subscriptions in one place without needing bank logins. Set budgets, savings goals, and manage debts with quick logging and insightful views. Get reminders for upcoming charges and help with cancellations.

Highlights
  • Log expenses and income quickly
  • Track subscriptions and bills with reminders
  • Create and manage budgets
  • Set and monitor savings goals
  • Manage debts and payments
  • View spending by category and day
  • Receipt scanning for totals
Features
Read full description

Know where your money goes, and never get caught out by a forgotten subscription again. SpendKit keeps your spending, bills and subscriptions, budget, savings goals and debts in one simple app. No bank login and no account needed. LOG IT IN SECONDS • Add an expense, income or transfer in a few taps: amount, category, account, done • Say it: "12 lunch" and SpendKit fills it in • Scan a receipt to read the total • Transfers between your accounts, with fees • Copy a transaction, or save and keep adding with Continue SEE YOUR MONTH • Income, expenses and balance always in view • Daily, calendar, monthly and stats views • Charts by category and by day • Search, and filter by account or category SUBSCRIPTIONS AND BILLS • Streaming, music, rent, phone: see what you pay each month and each year • A reminder before every charge, and free trials tracked before they bill you • Mark a bill as paid, or let SpendKit log it on its due date • Cancelling one? Get help to do it and see how much you save • Subscriptions in another currency or shared with others: only your part counts A BUDGET THAT WORKS • Plan your income and spending by category • See what's left to spend this month • Carry over what's left, or what's over, to the next month SAVINGS GOALS AND DEBTS • Goals with ideas to start, a target date and how much to put aside each month • Track what you owe and what you're owed, payment by payment YOUR ACCOUNTS • Cash, cards, bank and savings accounts with their running balance • Assets, liabilities and your total at a glance ALWAYS AT HAND • Home Screen and Lock Screen widgets • Siri and Shortcuts: "Log an expense in SpendKit" • Control Center and the Action button • Face ID lock, dark mode, your currency, 10 languages SPENDKIT PREMIUM Logging expenses and income is always free. Premium removes the limits on subscriptions, budgets, goals, accounts, receipt scans and voice entries, and adds iCloud backup and sync, budget alerts, insights, your own categories and CSV export. Payment is charged to your Apple Account at confirmation, or at the end of the free trial if there is one. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel it in your App Store account settings. The lifetime plan is a one-time purchase. Terms of Use: https://privacy.owltaps.com/terms Privacy Policy: https://privacy.owltaps.com

About

Lifin

Features
Read full description

Keep your budget, income, and expenses organized in one place. Lifin is a simple personal finance tracker for managing everyday spending, income, and budgets without creating an account. Key features • Track expenses and income with categories, payment methods, notes, and photos • Set a custom budget period and see how much budget remains • Check your daily spending allowance based on the days left • Manage recurring income and expenses such as salary, bills, and subscriptions • Analyze spending by category and compare fixed and variable expenses • Save expense locations and review them on a map • Manage records in multiple currencies • Export your data and reports as CSV, Excel, or PDF • Attach receipts and other photos to expense records Lifin supports Korean, English, Japanese, Chinese, French, Spanish, German, Italian, and Portuguese. Privacy Your budgeting data is stored on your device and is not sent to Lifin servers. The app may display ads provided by Google AdMob.

Screenshots

Spending Tracker4 screens
Lifin4 screens

Verdict

The call

The clearest difference is in-app purchases: Lifin at none against Spending Tracker's 3. Lifin also leads on update cadence (every 6 days vs every 5 months) and iOS requirement (16.0 vs 26.0). Spending Tracker's advantage is ads (none vs shown). On price 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. Spending Tracker sells 3 in-app purchases, starting at $7.99 per month. Lifin asks for nothing beyond the download.

UpkeepUpdate frequency

Spending Tracker ships an update every 5 months, Lifin every 6 days. The most recent releases landed on November 8, 2026 and November 6, 2026 respectively.

Scorecard4 real differences · 5 level
Spending Tracker versus Lifin: the parameters behind the verdict, then further details
ParameterSpending TrackerLifin
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 5 monthsEvery 6 days — better
AdsNo — betterYes
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhoneiPhone, iPad — better
Requires iOS26.016.0 — better
Further details — not scored
Size17 MB10 MB
Age rating4+4+
DeveloperJose SaponSe Hwan Choi

In-app purchases

3 purchases

Spending Tracker

Subscriptions2
  • Premium Monthly$7.991 Month
  • Premium Yearly3 Days trial$39.991 Year
One-time1
  • SpendKit Premium Lifetime$59.99
None

Lifin

No in-app purchases

Questions

Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Is Lifin free?
Lifin is free to download, with no in-app purchases.
Do Spending Tracker or Lifin have ads?
Lifin shows ads; Spending Tracker does not.
Which is updated more often, Spending Tracker or Lifin?
Spending Tracker ships an update every 5 months, and Lifin every 6 days. Most recently, Spending Tracker was updated on November 8, 2026 and Lifin on November 6, 2026.

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