Comparison

Spending tracker vs Sổ Thu Chi

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

Head to head
About

Spending tracker

Features
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Spending Tracker is the simplest way to know where your money goes. No bank login. No account. No ads. You write down what you spend — and the app turns it into a picture you actually understand. A CALENDAR, NOT A SPREADSHEET Every day shows what you earned and spent, right on the month grid. One look tells you whether this month is going well. Tap any day to see the details. LOG AN EXPENSE IN THREE SECONDS • Big number pad with a 000 key, built for real prices • Quick add: type "coffee 45k" and the amount and category fill themselves • Scan a paper receipt or a bank notification screenshot — the amount is read on your device • Add from the home screen widget, the Lock Screen, or your Apple Watch MANY WALLETS, MANY CURRENCIES Keep cash, a bank account and a foreign-currency card side by side. Each wallet has its own currency and shows its own symbol and decimals. Totals, charts and budgets are converted to your main currency using live exchange rates, and the rates keep working offline. BUDGETS THAT ACTUALLY HELP Set a monthly limit overall or per category. Instead of a number you have to interpret, the app tells you plainly how much you can still spend each day for the rest of the month. RECURRING AND SUBSCRIPTIONS Rent, salary, Netflix — set them once and they are recorded on time. The subscription screen adds up what you pay every month, so hidden costs stop being hidden. SEE THE PATTERN A clean donut chart by category, six months of income against spending, and percentages that make the story obvious. YOUR DATA STAYS YOURS Everything is stored on your device. There is no account to create and nothing is uploaded. Turn on iCloud sync only if you want your own devices to share the same book. Lock the app with Face ID. Export everything to CSV whenever you like. 17 LANGUAGES English, Vietnamese, Chinese (Simplified and Traditional), Japanese, Korean, Thai, Indonesian, Hindi, Spanish, Portuguese, French, German, Italian, Russian, Turkish and Arabic. Change the language inside the app — it does not have to match your phone. FREE AND PREMIUM The free version is a real app, not a trial: unlimited transactions, the calendar, budgets, charts and CSV export. Premium adds unlimited wallets and categories, receipt scanning, unlimited recurring rules and advanced reports. Premium is available as a one-time Lifetime purchase, or as a monthly or yearly subscription — whichever suits you. Subscriptions renew automatically and can be cancelled any time in your App Store account settings. Terms of Use: https://phungdoanh.github.io/term.html Privacy Policy: https://phungdoanh.github.io/privacy_policy.html

About

Sổ Thu Chi

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Log spending in seconds and see clearly where your money goes. Sổ Thu Chi lets you record daily income and expenses fast, check your calendar and reports instantly, set budgets per category and manage shared spending with your family. Your data stays on your iPhone. Works without an account or internet. No bank linking, no reading your messages, no monthly subscription. HIGHLIGHTS ---------------- • Quick typing the Vietnamese way: "cà phê 45k, taxi 1tr2" becomes separate entries • Receipt scanning: take a photo, the app fills in the amount and date • Number pad with built-in + − × ÷ • Daily income and expense calendar, search, undo after an accidental delete • Home Screen and Lock Screen widgets: month calendar, month totals, quick add • Monthly, yearly and all-time reports with saving tips • Category budgets with alerts at the threshold you choose • Multiple wallets, transfers between wallets, saving goals • Recurring income and expenses, logged automatically or confirmed by you • Shared family book that splits shared expenses evenly (creating a book needs Pro) • Sync across devices with Apple or email sign-in (Pro) • Lock the app with Face ID, Touch ID or a passcode • Free backup, restore and CSV export • Light and dark themes, Vietnamese and English WHAT MAKES IT DIFFERENT ---------------- • Understands how Vietnamese people talk about money: 45k, 1tr2, 2 triệu, 500 nghìn. • Type entries by hand in seconds, or scan a receipt when that is easier. • A truly shared book (Pro): the whole family logs into one book, and the app works out each person's share and who has paid. • Sync across iPhones (Pro) without relying on iCloud. • Pro is a one-time purchase. No subscription. FEATURES IN DETAIL ---------------- [ Entry ] Tap a large category, enter the amount on a calculator keypad, pick a wallet, date and note. The quick-entry box takes several items in one sentence and guesses the category. Undo a delete with one tap. [ Receipt scanning ] Photograph a receipt or pick one from your library. The app reads the total and date on your device and fills them in for you to check. [ Calendar ] Daily totals on every day. Tap a day for details, swipe to delete, search by note, category or wallet. [ Reports ] Income, expenses and net cash flow by month or year, a category pie chart and tips on where to cut back. Plus yearly, per-category and all-time reports and a 12-month balance trend. [ Budgets ] Set a limit per category and an alert threshold (for example 80%). The app warns you before you go over and never blocks you from logging. [ Wallets, goals, recurring entries ] Cash, bank accounts, e-wallets and credit cards, each with its own balance; transfers are not counted as income or expense. Create saving goals and contribute over time. Rent, salary and subscriptions are set up once and logged on the right day, or the app asks you to confirm. [ Shared family book ] Create a shared book (Pro) and invite family with a code or QR (up to 5 members). Everyone logs and sees the same book; shared expenses are split evenly and the app shows who has paid what. Invited members do not need Pro. [ Privacy & security ] Your data lives on your device. Lock the app with Face ID, Touch ID or a passcode. Sign-in is optional; when sync is on, data travels over an encrypted connection. [ Backup & export ] Back up to a file and restore when you change phones. CSV export is free; Pro exports Excel with monthly and category summaries, plus PDF reports. SỔ THU CHI PRO (pay once, use forever) ---------------- The free version includes entry, receipt scanning, calendar, reports and budgets, with one small banner ad. Pro adds: • No ads • Sync across devices • Shared books • Excel and PDF export Sync, shared books and Excel/PDF export require signing in with Apple or email. Terms of use (Vietnamese): https://sothuchi.site/terms.html Privacy policy: https://sothuchi.site/privacy-en.html Support: huyphuongk57ktb@gmail.com

Screenshots

Spending tracker4 screens
Sổ Thu Chi4 screens

Verdict

The call

The clearest difference is ads: Spending tracker at none against Sổ Thu Chi's shown. On price, in-app purchases, device support and iOS requirement 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 $0.99 per month and Sổ Thu Chi sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Scorecard1 real difference · 5 level
Spending tracker versus Sổ Thu Chi: the parameters behind the verdict, then further details
ParameterSpending trackerSổ Thu Chi
PriceFreeFree
Update frequency—Every 5 days
AdsNo — betterYes
In-app purchasesYesYes
DevicesiPhoneiPhone
Requires iOS17.0 — better18.0
Further details — not scored
Size2 MB12 MB
Age rating4+4+
DeveloperPhung DoanhDao Huy Phuong

In-app purchases

3 purchases

Spending tracker

Subscriptions2
  • Spending tracker Pro Month$0.991 Month
  • Spending tracker Pro Year$7.991 Year
One-time1
  • Spending tracker Pro Life Time$9.99
1 purchases

Sổ Thu Chi

One-time1
  • So Thu Chi Pro$6.99

Questions

Is Spending tracker free?
Spending tracker is free to download, with in-app purchases available.
Is Sổ Thu Chi free?
Sổ Thu Chi is free to download, with in-app purchases available.
Do Spending tracker or Sổ Thu Chi have ads?
Sổ Thu Chi shows ads; Spending tracker does not.

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