RiskDesk vs Spendly
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
RiskDesk
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RiskDesk is the all-in-one risk management platform built for serious traders who demand precision, privacy, and performance. Position sizing, live regime detection, cloud stop management, and full performance analytics ā in one iPhone and iPad app that keeps your trading data on your device. SMART POSITION SIZING Calculate your exact size using ADR (Average Daily Range) stop levels ā the most accurate way to size trades around real market volatility rather than arbitrary percentages. Preset R:R ratios (1.5:1 through 4:1) and custom targets built in. LIVE MARKET REGIME Every instrument classified in real time as Long bias, Short bias, or Consolidating using a 9/18 EMA slope-confirmed model. Trade with the trend or step aside ā no more guessing what state the market is in. SMART SHIELD ā CLOUD STOP MANAGEMENT Set a trigger and shield level and RiskDesk moves your stop the moment price runs in your favour. Runs 24/7 in the cloud ā even when the app is closed. Optional push notifications the moment the shield activates. DEALER GAMMA (GEX) Track dealer positioning across major indices with Gamma Exposure, Call/Put walls, expected-move bands, and positive/negative gamma regime. Know when the market will pin and when it will run. RISK LAB Stress-test your account against real-world scenarios ā 2Ć volatility, black-swan gaps, correlation shocks, rising-rate regimes. See exactly how your portfolio behaves before the market shows you. TRADE JOURNAL Log every trade with entries, exits, notes and tags. Record setup type, tag by regime and rule. Review your decisions with clarity and build the discipline that separates consistent traders from the rest. PERFORMANCE ANALYSER Track win rate, profit factor, average R, max drawdown, Sharpe, longest streaks and more. Split results by setup, instrument, direction or session. Understand exactly where your edge is ā and where it isn't. LIVE BROKER CONNECTION Optional broker bridge lets you execute correctly-sized orders directly from RiskDesk with your stop, target and R:R baked in. One tap, right size every time. ECONOMIC CALENDAR See the week's high-impact releases at a glance so nothing catches you off guard. TRADING RULES Set your own hard rules and hold yourself accountable ā max daily loss, max positions, correlated exposure, regime filters. RiskDesk tracks your discipline alongside your P&L. CERTIFICATION Prove your track record with an auditable performance certificate ā ideal for prop-firm applications or verifying results. ACCOUNTS MANAGER Manage multiple trading accounts and track performance across all of them in one place. BACKUP & RESTORE Your data is always yours. Export, back up and restore your trading history at any time. BUILT FOR PRIVACY Your trade journal, accounts and settings stay on your device. Only Smart Shield uses the cloud ā and only to move your stops when you tell it to. RiskDesk is a reference and analytical tool only. It does not provide financial advice or execute trades. https://riskdeskapp.com/terms.html
Spendly
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Spendly: Visual Expense Logs Spendly helps you track every expense with a clean, modern design built for effortless daily use. Get clear insights into your money without the complexity, subscriptions, or privacy worries. ⢠Yearly Spending Heatmap: Track your habits with a GitHub-style daily heatmap for any year. Plus, get an instant annual summary featuring your year total, daily average, and busiest month. ⢠Siri and Shortcuts Integration: Log on the go! Just say, "Hey Siri, log an expense" or ask, "How much did I spend this month?" ⢠Receipt Photos: Snap and attach a photo to any transaction to keep your proof of purchase organized. Stored 100% privately on-device. ⢠CSV Import and Restore: Easily import a previously exported Spendly CSV to back up your data or migrate between devices. ⢠Massive Currency Expansion: Added 40+ new world currencies - including the Malaysian Ringgit (MYR) - bringing the total to over 50+ supported currencies! ⢠Streamlined Currency Experience: Features a beautiful new searchable currency picker and an updated first-launch onboarding. Changing your currency in Settings now updates everywhere instantly with no app restart needed. SEE YOUR SPENDING CLEARLY ⢠Visual Month Chips: See exactly how much you spent each month at a glance. ⢠Beautiful Charts: Pie charts and bar graphs reveal exactly where your money goes. ⢠Instant Comparisons: Compare this month vs. last month to spot trends instantly. POWERFUL YET SIMPLE ⢠Quick Logging: Add transactions in seconds with smart categories and icons. ⢠Smart Dashboard: View your Today, This Week, and This Month totals in one place. ⢠Full History: Search, filter, and review your entire transaction history by month. GLOBAL AND FLEXIBLE ⢠50+ World Currencies: Full support for major global currencies with instant, app-wide conversion. ⢠Clean Exports: Export monthly data as a CSV spreadsheet or a clean PDF report for easy budgeting. 100% PRIVATE BY DESIGN ⢠On-Device Storage: Your financial data and receipt photos stay securely on your device. Download Spendly today and take control of your daily spending!
Screenshots
Verdict
RiskDesk and Spendly are too close to call on the numbers: across 6 compared parameters ā price, update cadence, ads and in-app purchases among them ā neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
RiskDesk ships an update every 5 days, Spendly every 3 days. The most recent releases landed on September 14, 2026 and September 25, 2026 respectively.
| Parameter | RiskDesk | Spendly |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 5 days | Every 3 days ā better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 17.0 | 17.0 |
| Further details ā not scored | ||
| Size | 5 MB | 4 MB |
| Age rating | 4+ | 4+ |
| Developer | Michael Adante | TextWaves Inc |
In-app purchases
RiskDesk
No in-app purchases
Spendly
No in-app purchases





