Report updated Apr 16, 2026
Spending Tracker
For budget-conscious individuals and small business owners looking for a simple, cross-platform tool to manage personal or professional finances without automated bank syncing.
Spending Tracker is a market-leading finance app that is free with in-app purchases. With a 4.7/5 rating from 83.1K reviews, it delivers strong user satisfaction. Users particularly appreciate simplicity and ease of use, though lack of feature updates remains a common concern.
What is Spending Tracker?
Current Momentum
v3.2
2.8.1 ---------- * PDF Export Options - you can now optionally exclude sections from the PDF (e.g. the charts) * Reset Data - available at the bottom of the 'Settings' screen, you can now start over, while optionally keeping your Categories and Accounts * Improved Android 15/16 support * Fix occasional issue with entering decimal Amounts * Fix issue with Widget not taking into account Carry Over * Fix issue with new lines upsetting CSV output * Gather consent in line with local requirements
What makes this app unique?
What Does It Look Like?
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What Are The Key Features?
Set fixed spending targets with the ability to carry over remaining balances to the next period.
Create separate accounts for personal, business, and savings to isolate financial tracking.
Visualizes spending habits through interactive charts and category-based breakdowns.
Automatically syncs financial data across Android, iOS, and Windows devices.
How much does it cost?
- Free version with core tracking and reporting features
- Pro Upgrade (via IAP) for advanced features like recurring transactions, data export, and cross-device syncing
The app uses a freemium model that provides high utility for basic users while gating power-user features like automation and data portability behind a Pro upgrade.
Who Built It?
MH Riley
Providing utility-focused financial tools and niche lifestyle applications for users seeking manual control over their data.
Portfolio
11
Apps
What other apps does MH Riley make?
Explore the full MH Riley report
Portfolio breakdown, audience, momentum, and every app published by MH Riley.
What do users think recently?
High confidence · Latest 100 of 83.1K total reviews analyzed
How did the latest release land?
What is the recent mood?
Recent user voice shows a thrilled sentiment. Users appreciate simplicity and ease of use and privacy and value, but report lack of feature updates and feature requests.
What Users Love
What Frustrates Users
View the full user-sentiment analysis
Mood gauge, ratings & review-volume history, every praise / complaint / request, and sentiment over time.
What is the competitive landscape for Spending Tracker?
How's The Finance Market?
How does it evolve in the Finance market?
Rank progression
42 active rankings tracked — 30-day window
The rivals identified
The outtake for Spending Tracker
Strengths to defend, gaps to attack
Core Strengths
- High user trust and 4.7+ star average rating
- Cross-platform availability (iOS, Android, Windows)
- Privacy-first approach (no mandatory bank sync)
- Low friction and intuitive UI
Critical Frictions
- Stagnant product development roadmap
- Lack of granular features like split transactions
- Minimal marketing and social media presence
- Opaque pricing for ad removal
Growth Levers
- Capture privacy-conscious users fleeing automated apps
- Introduce requested sub-categories and custom timeframes
- Modernize UI to compete with newer minimalist entrants
- Expand into shared budgeting for families
Market Threats
- Automated competitors (Rocket Money) reducing manual effort
- Newer minimalist apps (Ollie) with modern aesthetics
- User churn due to lack of innovation
- Platform changes affecting legacy cross-platform sync methods
Key Takeaways
Spending Tracker is a market-leading finance app that is free with in-app purchases. With a 4.7/5 rating from 83.1K reviews, it delivers strong user satisfaction. Users particularly appreciate simplicity and ease of use, though lack of feature updates remains a common concern.
Where Is It Heading?
Trend analysis
Available very soon