# Ledger vs SpendSmartAI

The clearest difference is update cadence: SpendSmartAI at weekly against Ledger's every 3 weeks. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Ledger sells 2 in-app purchases, starting at $3.99 per month and SpendSmartAI sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Ledger ships an update every 3 weeks, SpendSmartAI weekly. Both last shipped on October 31, 2026.

## The numbers

| Metric | Ledger | SpendSmartAI |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Weekly** |
| Size | 81 MB | 45 MB |
| Requires iOS | 16.4 | 16.4 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 17+ |
| Developer | [The Valhalla Studio Ltd](https://appshunter.io/developer/6777918612) | [Heston Dsouza](https://appshunter.io/developer/1889164237) |

## What reviewers say

### Ledger

[App page](https://appshunter.io/ios/app/ledger-ai-money-tracker/id6777918610)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Ledger Pro | $3.99 | per month |
| Ledger Pro | $39.99 | per year |


### SpendSmartAI

[App page](https://appshunter.io/ios/app/spendsmartai-expense-tracker/id6778456244)

**Features:** Family Sharing

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendSmart AI Pro – Monthly | $2.99 | per month |
| SpendSmart AI Pro – Annual | $25.99 | per year |


## Frequently asked questions

### Is Ledger free?

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

### Is SpendSmartAI free?

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

### Do Ledger or SpendSmartAI have ads?

Neither Ledger nor SpendSmartAI shows ads.

### Which is updated more often, Ledger or SpendSmartAI?

Ledger ships an update every 3 weeks, and SpendSmartAI weekly. Most recently, Ledger was updated on October 31, 2026 and SpendSmartAI on October 31, 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.*