Software · head to head
Spendee vs Fidelity
The short version
- Only Spendee has a free tier, so it costs nothing to try first.
- Each has a real cost: Spendee the free Basic plan allows one cash wallet and one budget; Fidelity options trades carry a 0.65 USD per contract fee on top of zero commission
- They diverge on capability: Spendee covers Expense tracking, Fidelity covers Commission-free trading.
Where they differ
Only the attributes on which Spendee and Fidelity actually diverge.
Identical on both: platforms (Web, IOS, Android), user rating (Not yet rated), category (Unknown).
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 Spendee
- Expense tracking
- Budget management
- Shared wallets
- Financial analytics
Only in Fidelity
- Commission-free trading
- Retirement planning
- Advisory services
- Research tools
- Investment accounts
Both cover
- Bank accounts
- Web support
- IOS support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Spendee
- Tracking personal spending across cash and bank accountsnot Fidelity
- Sharing a budget or wallet with a partner or householdnot Fidelity
Fidelity
- Commission free trading of US stocks and ETFsnot Spendee
- Holding IRAs, 401(k) plans and taxable brokerage accountsnot Spendee
- Trading bonds, options and mutual funds from one accountnot Spendee
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
Fidelity
- Options trades carry a 0.65 USD per contract fee on top of zero commission
- Non Fidelity mutual funds carry a 49.95 USD transaction fee per purchase
- Secondary market bonds cost 1.00 USD per bond, while new issues are free
- A foreign settlement fee of 50 USD applies per trade
- Margin rates are tiered by debit balance, from 11.825 percent below 25,000 USD down to 7.50 percent at 1 million USD or more, against a base rate of 10.575 percent effective 12 December 2025
- Margin liquidation by the broker costs 32.95 USD per liquidation
Pricing, plan by plan
Spendee
Free- FreeFree
- Expense tracking
- Budget creation
- 3 wallets
- Premium$6.99/month
- Unlimited wallets
- Advanced analytics
- Investment tracking
Fidelity
On request- Brokerage$undefined/month
- Commission-free trading
- Research tools
- Advisory$undefined/month
- Personal advisor
- Wealth management
Which should you pick?
Choose Spendee if
- You need expense tracking.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want budget management.
Choose Fidelity if
- You need commission-free trading.
- You work on Web, IOS, Android.
- You also want retirement planning.
Questions people ask
- Is Spendee or Fidelity better?
- Neither clearly leads. Spendee starts at Free and Fidelity at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Spendee or Fidelity?
- Spendee has a free tier; the other does not. Paid plans start at Free for Spendee and On request for Fidelity.
- Does Spendee or Fidelity run on more platforms?
- Both run on Web, IOS, Android, so platform support will not decide this one for you.
- Can I use Spendee for free?
- Yes. Spendee has a free tier, so you can try it without paying. Fidelity starts at On request.
- What is Spendee best used for?
- Spendee is most often used for tracking personal spending across cash and bank accounts, sharing a budget or wallet with a partner or household. Of those, tracking personal spending across cash and bank accounts and sharing a budget or wallet with a partner or household are not what Fidelity is typically brought in for.
- What can Spendee do that Fidelity cannot?
- Spendee covers Expense tracking, Budget management, Shared wallets, Financial analytics. Fidelity covers Commission-free trading, Retirement planning, Advisory services, Research tools. Both handle Bank accounts, Web support, IOS support, Android support.