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Personal Finance · head to head

Banktivity vs Spendee

Banktivity logo

Banktivity

Personal Finance

Personal finance for Mac and iOS

From
On request
Rated
-
Full reviewWebsite
Spendee logo

Spendee

Personal Finance

Budget and money management made easy

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Spendee has a free tier, so it costs nothing to try first.
  • Each has a real cost: Banktivity runs on macOS, iPhone and iPad only, with no Windows, Android or web version; Spendee the free Basic plan allows one cash wallet and one budget
  • They diverge on capability: Banktivity covers Account tracking, Spendee covers Expense tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Banktivity and Spendee actually diverge.

Attributes where Banktivity and Spendee differ
AttributeBanktivitySpendee
Starting priceOn requestFree
Pricing modelsubscriptionfreemium
Free tierNoYes
PlatformsMac, IOSWeb, IOS, Android
Founded20072013

Identical on both: user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Banktivity

  • Account tracking
  • Bill management
  • Investment tracking
  • Budget forecasting
  • Investment accounts
  • Mac support

Only in Spendee

  • Expense tracking
  • Budget management
  • Shared wallets
  • Financial analytics
  • Web support
  • Android support

Both cover

  • Bank accounts
  • IOS support

What people use each for

The jobs each tool is most often brought in to do.

Banktivity

  • Personal budgeting and money management on a Macnot Spendee
  • Investment and net worth trackingnot Spendee
  • Retirement planning projectionsnot Spendee
  • Connecting to over 14,000 financial institutionsnot Spendee

Spendee

  • Tracking personal spending across cash and bank accountsnot Banktivity
  • Sharing a budget or wallet with a partner or householdnot Banktivity

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Banktivity

  • Runs on macOS, iPhone and iPad only, with no Windows, Android or web version
  • Pricing is not shown on the product page and sits behind a separate plans page

Spendee

  • The free Basic plan allows one cash wallet and one budget
  • Shared wallets are excluded from the free plan
  • Premium at $5.99 a month is triple the $1.99 Plus plan, and the pricing page does not quantify what separates them beyond shared wallets
  • Bank sync depends on a supported bank list rather than being universal

Pricing, plan by plan

Banktivity

On request
  • Monthly$4.99/month
    • Full feature access
    • Cloud sync
  • Annual$39.99/month
    • All monthly features
    • Discounted rate

Spendee

Free
  • FreeFree
    • Expense tracking
    • Budget creation
    • 3 wallets
  • Premium$6.99/month
    • Unlimited wallets
    • Advanced analytics
    • Investment tracking

Which should you pick?

Choose Banktivity if

  • You need account tracking.
  • You work on Mac, IOS.
  • You also want bill management.
Banktivity review

Choose Spendee if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want budget management.
Spendee review

Questions people ask

Is Banktivity or Spendee better?
Neither clearly leads. Banktivity starts at On request and Spendee at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Banktivity or Spendee?
Spendee has a free tier; the other does not. Paid plans start at On request for Banktivity and Free for Spendee.
Does Banktivity or Spendee run on more platforms?
Banktivity runs on Mac, IOS. Spendee runs on Web, IOS, Android.
Can I use Spendee for free?
Yes. Spendee has a free tier, so you can try it without paying. Banktivity starts at On request.
What is Banktivity best used for?
Banktivity is most often used for personal budgeting and money management on a mac, investment and net worth tracking, retirement planning projections, connecting to over 14,000 financial institutions. Of those, personal budgeting and money management on a mac and investment and net worth tracking are not what Spendee is typically brought in for.
What can Banktivity do that Spendee cannot?
Banktivity covers Account tracking, Bill management, Investment tracking, Budget forecasting. Spendee covers Expense tracking, Budget management, Shared wallets, Financial analytics. Both handle Bank accounts, IOS support.

Answered from the vendors’ own pages

Banktivity: Does Banktivity offer a free trial?

Yes. Banktivity offers a 30-day free trial at any subscription level with no credit card required. This allows you to test the platform before committing.

Source
Spendee: Does Spendee offer free and paid plans?

Yes. Spendee offers both Spendee Premium and Spendee Plus paid tiers. The site does not display pricing amounts on the homepage but directs users to a dedicated pricing page for costs.

Source
Banktivity: What devices does Banktivity support?

Banktivity is available on Mac, iPhone, and iPad with cross-device sync. Data is encrypted end-to-end across all devices.

Source
Spendee: How much does Spendee cost?

Pricing details are not available on the homepage. Spendee maintains a dedicated pricing page where Premium and Plus subscription costs are listed.

Source
Banktivity: How many banks does Banktivity connect to?

Banktivity connects to 14,000+ banks, allowing direct connections to most major financial institutions.

Source
Spendee: Is there a free tier for Spendee?

The site mentions paid tiers but does not specify whether a free tier exists. Full details are available on the pricing page.

Source
Banktivity: What financial planning tools does Banktivity include?

Banktivity includes budgeting, financial reporting, investment portfolio tracking, retirement planning tools, and net worth tracking across all your accounts.

Source
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