Comparison

Spending 2 vs Smart Budget

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

Head to head
About

Spending 2

Easily log your expenses and track your spending with this intuitive application. Monitor weekly and yearly expenditures, manage multiple accounts, and utilize flexible reporting to understand your financial habits. Features include auto-backup, budgeting tools, and password protection for secure financial management.

Highlights
  • Easy expense logging
  • Budget management
  • Multiple account support
  • Flexible reporting
  • Auto backup
  • Password protection
  • CSV export
Features
Read full description

Spending 2 is the most easy to use expense log that keeps track of your spending. No complex operations, no impractical functions. Spending is easy to use. Spending 2 will quickly and easily record each expense. It’s easy to see how much money you have spent every week and even how much money you have spent this year. Key features: - Auto backup. - Budget. - Multiple accounts,Cash/Credit Card. - Support different currencies for different account. - Transfer between accounts. - Fast and easy to use native iPhone user interface. - Recording a purchase takes seconds. - Auto-generate recurring expenses and income entries. - Create/Edit/Sort expense/income categories and subcategories. - Support to order category by Alphabetic/Most Used/Customized. - Dynamic graph showing costs in percentages. - History to view and adjust your previous entries. - Flexible reports to view expenses by week, month, or year. - Password protection - Export CSV file. - Online backup via iCloud. - Back up via Mail. - Sync data across multiple devices via iCloud. I will not be able to reply directly to you in your review, so if you have any problems, please email spending2@qiuping.com . I will help you to solve your problem ASAP

About

Smart Budget

Effortlessly track your spending and manage budgets with automatic transaction logging from Apple Pay. Features include smart budgeting, subscription management, and receipt scanning. Simplify your finances without manual data entry.

Highlights
  • Automatic expense tracking
  • Smart monthly budget planner
  • Free budget tracker tools
  • Receipt tracker with OCR
  • Subscription manager
  • Widgets for instant insights
  • Custom categories and budgets
Features
Read full description

Track Spending Automatically. Budget Without the Headache. WalletPal is a powerful expense track and budgeting and spending tracking app designed specifically for people who use Apple Pay. No more logging every purchase manually. With WalletPal, your tap-to-pay transactions are automatically tracked — including the name, amount, location, date, and category. Budgeting just got easier. *Features You’ll Actually Use:* - Automatic Expense Tracking Tap to pay and forget it — WalletPal logs the transaction instantly with all details. - Smart Monthly Budget Planner Create a simple budget for your daily, weekly, or monthly expenses and receive notifications when you're close to overspending. - Free Budget Tracker Tools Import/export your data in CSV, filter transactions, and analyze spending — all included in the free version. - Receipt Tracker with OCR Snap a photo of a receipt and let WalletPal add it as a new expense automatically. - Subscription Manager Effortlessly manage subscriptions and get reminders for recurring bills. - Widgets for Instant Insights Track your spending, upcoming payments, and progress toward your money goals — right from your home screen. - Custom Categories & Budgets Tailor WalletPal to your lifestyle with custom tracking for each area of your life. Whether you're trying to track spending, manage your monthly bill planner, or just need a spending tracker that works with you — WalletPal is the budget app that fits. Download WalletPal now and simplify your finances — no spreadsheets needed.

Screenshots

Spending 24 screens
Smart Budget4 screens

Verdict

The call

The clearest difference is rating: Smart Budget at 4.3 against Spending 2's 3.8. Smart Budget also leads on review sentiment (83% vs 65%). Spending 2's advantage is ratings volume (64 vs 20) and iOS requirement (15.6 vs 17.0). On price, update cadence, ads and in-app purchases 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 2 sells 1 one-off in-app purchase and Smart Budget sells 3 in-app purchases, starting at $2.99 per 7 days. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Smart Budget holds the better App Store score, 4.3 against 3.8. Both are backed by a comparable volume of ratings — 64 and 20 respectively. Written reviews point the same way: 65% of Spending 2's written reviews are positive against 83% of Smart Budget's.

UpkeepUpdate frequency

Spending 2 ships an update fortnightly, Smart Budget every 3 weeks. The most recent releases landed on November 6, 2026 and November 8, 2026 respectively.

Scorecard4 real differences · 6 level
Spending 2 versus Smart Budget: the parameters behind the verdict, then further details
ParameterSpending 2Smart Budget
PriceFreeFree
Rating3.8 (64 ratings)4.3 (20 ratings) — better
Positive reviews65.0% of reviews82.6% of reviews — better
Number of ratings64 — better20
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, Mac
Requires iOS15.6 — better17.0
Further details — not scored
Size8 MB172 MB
Age rating4+4+
Developer平 邱MICHAEL JOHN S WILLER

Customer experience

Spending 2

All ratings61 ratings
Positive70.5%
Neutral8.2%
Negative21.3%
Written reviews217 reviews
Positive65.0%
Neutral8.3%
Negative26.7%

Smart Budget

All ratings20 ratings
Positive90.0%
Neutral0.0%
Negative10.0%
Written reviews23 reviews
Positive82.6%
Neutral8.7%
Negative8.7%

In-app purchases

1 purchases

Spending 2

One-time1
  • Spending 2 Pro$4.99
3 purchases

Smart Budget

Subscriptions3
  • Weekly$2.997 Days
  • Monthly$6.991 Month
  • Annual3 Days trial$49.991 Year

Questions

Is Spending 2 free?
Spending 2 is free to download, with in-app purchases available.
Is Smart Budget free?
Smart Budget is free to download, with in-app purchases available.
Which has better reviews, Spending 2 or Smart Budget?
Smart Budget is rated higher. Spending 2 averages 3.8 out of 5 from 64 ratings, while Smart Budget averages 4.3 from 20 ratings.
Do Spending 2 or Smart Budget have ads?
Neither Spending 2 nor Smart Budget shows ads.
Which is updated more often, Spending 2 or Smart Budget?
Spending 2 ships an update fortnightly, and Smart Budget every 3 weeks. Most recently, Spending 2 was updated on November 6, 2026 and Smart Budget on November 8, 2026.

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