What's the best spending tracker app for iPhone?
Steven Zhang · Published · Updated
What's the best spending tracker app for iPhone?
Short answer: It depends on what you want the app to do. If you only want to know how much you spent today, this week, and this month, Big Numbers is built for that on iPhone, with Home Screen and Lock Screen widgets. If you want budgets, categories, investments, or net worth, Copilot Money, Monarch Money, YNAB, Rocket Money, or Quicken Simplifi do more. Rocket Money has a free tier. Big Numbers is a free download, $0.99/week, with a 1-week free trial.
At a glance
| App | Best if you want | Price (as of October 2026) | Trial | Platforms | Availability |
|---|---|---|---|---|---|
| Big Numbers | Today, this week, and this month totals, on the Home Screen or Lock Screen | Free download, $0.99/week | 1-week free trial, then $0.99/week | iPhone only (iOS 26 or later) | Available on iPhone in the US and Canada. Connects to 19,000+ US banks. |
| Copilot Money | Budgets, investments, and net worth in one app | $13/mo or $95/yr | 1 month | iPhone, iPad, Mac, web | US accounts only |
| Monarch Money | Household budgets, planning, and investments | $14.99/mo or $99.99/yr | 7 days | Web, iPhone, iPad, Android | US and Canada |
| YNAB | A plan for every dollar before you spend | $14.99/mo or $109/yr | 34 days | iOS, Android, web, watchOS | Direct import for select US, Canadian, UK, and EU banks |
| Rocket Money | A free tier, subscription tracking, or bill help | Free tier. Premium typically $7 to $14/mo. | 7 days of Premium for new members | iOS and Android | US |
| Quicken Simplifi | A spending plan and how much is left to spend | $3.99/mo billed annually (offer) | No free trial. 30-day money-back guarantee. | Web, iPhone, Android | US and Canada |
How they differ
Big Numbers answers one question: how much have I spent? You connect a bank and see three totals, today, this week, and this month, with a widget so you do not have to open the app. There are no budgets or categories to set up. It is read-only and never moves money.
The others are full finance apps. Copilot Money covers budgets, investments, and net worth on iPhone, iPad, Mac, and the web. Monarch Money is built for household budgets, planning, and investments on web, iPhone, iPad, and Android. YNAB is a budgeting method: you assign money to categories before you spend it. Rocket Money finds subscriptions and can help cancel or negotiate bills, with a free tier. Quicken Simplifi starts from income and bills and tells you what is left to spend.
None of those extras are in Big Numbers. That is the trade.
Who should pick a full finance app
- You want budgets by category, or a plan for every dollar.
- You track investments, net worth, or household finances in the same app.
- You use Android or want a full web app.
- You want a free tier to start. Rocket Money has one.
See Big Numbers vs Copilot Money, Monarch Money alternative, Big Numbers vs YNAB, Rocket Money alternative, and Big Numbers vs Quicken Simplifi.
Who should pick Big Numbers
- You only want to know what you spent, at a glance.
- You want that number on your iPhone Home Screen or Lock Screen.
- You do not want to sort categories or set budgets.
Big Numbers is a free download on the App Store, with an in-app subscription of $0.99/week. The read-only Grok connector is a separate plan (see Subscribe).
FAQ
What's the best spending tracker app for iPhone?
It depends. For three spending totals and a widget, Big Numbers. For budgets, investments, or net worth, Copilot Money, Monarch Money, YNAB, Rocket Money, or Quicken Simplifi.
Does Big Numbers work in Canada?
The iPhone app is available in the US and Canada. Bank connections are US banks.
How much is Big Numbers?
Free download, $0.99/week, with a 1-week free trial. Billed through the App Store.
Is there a free spending tracker for iPhone?
Rocket Money has a free tier. Big Numbers is a free download with a $0.99/week in-app subscription.
Does Big Numbers have budgets or categories?
No. Big Numbers has no budgets or categories. It shows how much you spent today, this week, and this month.
Can I see my spending on the iPhone Lock Screen?
Yes. Big Numbers has Lock Screen and Home Screen widgets you can set to daily, weekly, or monthly.
Sources
Competitor facts on this page are reused from the comparison posts. Each source keeps its original access date.
Accessed 2026-10-17:
- Big Numbers home page: https://www.bignumbers.studio
- Big Numbers App Store listing: https://apps.apple.com/us/app/big-numbers-budget-tracker/id6744486423
- Copilot Money pricing: https://copilot.money/pricing
- Copilot Money FAQ: https://www.copilot.money/faq
- Copilot Help, "Adding Widgets": https://help.copilot.money/en/articles/9834331-adding-widgets
- Monarch pricing: https://www.monarch.com/pricing
- Monarch download page (platforms, regions): https://www.monarch.com/download
- Monarch Help, "Using Mobile Widgets": https://help.monarch.com/hc/en-us/articles/8611706513684-Using-Mobile-Widgets
- Quicken Simplifi product page: https://www.quicken.com/products/simplifi/
- Quicken Simplifi Help, "Subscription Questions": https://support.simplifi.quicken.com/en/articles/3363727-quicken-simplifi-subscription-questions
Accessed 2026-10-18:
- YNAB pricing: https://www.ynab.com/pricing
- YNAB Help, "How Direct Import Works": https://support.ynab.com/en_us/how-direct-import-works-H1IGYLgnxl
- YNAB, "YNAB Widgets for Mobile": https://www.ynab.com/whats-new/ynab-widgets-for-mobile
- Rocket Money, "How much does Rocket Money cost?" (pricing guide): https://www.rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost
- Rocket Money Help, "How much does Rocket Money cost?": https://help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost
- Rocket Money Help, "Does Rocket Money support international banks?": https://help.rocketmoney.com/en/articles/79778-does-rocket-money-support-international-banks