By MH Riley
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
Active Nemesis
Monefy: Money Tracker
By Reflective Technologies ApS
Other Rivals
Rating Pulse 🇺🇸
Recent User MoodAI-powered deep analysis surfacing high-signal insights. Still in beta, accuracy improves daily. For informational purposes only.
What makes this app unique?
What Does It Look Like?
How Is The App's Momentum Right Now?
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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
Who is MH Riley?
MH Riley Ltd maintains a defensible position by prioritizing manual data entry and privacy over the automated bank-syncing models favored by larger fintech incumbents. This structural choice serves a loyal user base that values financial discipline through active engagement rather than passive monitoring. While the portfolio is diversifying into education and communication, the core business remains anchored in long-standing utilities that maintain high sentiment despite a shift toward maintenance-mode for legacy titles.
Who is MH Riley for?
- Privacy-conscious individuals
- Small business owners seeking manual financial management
- Specialized religious or educational utilities
Portfolio momentum
Released 4 updates across the portfolio in the last 6 months, maintaining a 50% active app ratio.
What other apps does MH Riley make?
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
What is the competitive landscape for Spending Tracker?
How's The Finance Market?
How does it evolve in the Finance market?
| Country | Category | Chart | Rank | Change |
|---|---|---|---|---|
| 🇯🇲 Jamaica | Finance | iOSGrossing | #22 | ▼5 |
| 🇬🇧 UK | Finance | iOSGrossing | #81 | NEW |
The rivals identified
The Nemesis
Monefy: Money Tracker
★4.7 (6.4K)Reflective Technologies ApS
⚡Directly mirrors the simple, icon-based manual expense entry and visual pie chart reporting.
Head-to-head analysis pending — refresh this report for a detailed comparison.
Contenders
Virtual Envelope Budgeting
Multi-User Budget Sharing
Buddy: Aufträge, CRM und mehr
0Eduard Fetter
⚡A modern, iOS-centric competitor focusing on simplicity and shared budgeting for couples/individuals.
Peers
Subscription Cancellation Assistant
Bill Negotiation
AI Categorization
Adaptive Budgets
GoodSplit - Splitwise & simple
0Guangzhou Benliuhe Co., Ltd.
🔧Adjacent sub-genre focusing on shared expenses, often used alongside manual trackers.
New Kids on the Block
Bobby Brickson Saw Trap
Mazniac
Niche competitor focusing on subscription tracking, a growing segment of personal spending.
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