Comparison
Toshl Finance vs Spendee: an honest comparison
Toshl Finance and Spendee are both popular ways to track spending, but they suit different people. Here's how they differ on the things that usually decide it.
We make Balance, a free expense tracker, so we've kept this fair: each app's strengths come first, and Balance is only suggested as a third option at the end.
Free · No ads · Made in India · Android (iOS coming soon)
Toshl Finance at a glance
A playful, cross-platform budget tracker with a paid Pro tier.
- Pricing: Freemium: a limited free tier with paid Pro and Medici plans.
- Ads: No ads (freemium)
- Bank access: Bank sync on paid plans (supported countries)
- Offline: Partial
- Focus: Global
Spendee at a glance
A visually polished expense tracker with optional bank sync in some regions.
- Pricing: Freemium — bank sync and advanced features need a paid plan.
- Ads: Clean
- Bank access: Optional bank sync (regional)
- Offline: No
- Focus: Global
What Toshl Finance does well
- Friendly design and cross-platform apps
- Budgets, multi-currency and exportable reports
- Bank connections available in supported countries on paid plans
What Spendee does well
- Attractive, colourful spending visuals
- Shared wallets for collaborative budgeting
- Bank sync where available
Toshl Finance or Spendee: who should pick which?
- Choose Toshl Finance if: People who like its design and want cross-platform budgets on a paid plan.
- Choose Spendee if: People who want polished visuals and shared wallets and will pay for sync.
Where both fall short
- Toshl Finance: The free tier is limited; many features require a paid plan
- Toshl Finance: Bank connections are limited to supported countries
- Spendee: Best features are behind a subscription
- Spendee: Bank sync availability varies by region
A third option: Balance
If neither quite fits, Balance is free with no ads and no subscription, never asks for a bank login or SMS access, scans receipts and UPI screenshots, and is built for India. It adds Roast Mode overspend nudges, a subscription and bill tracker, home-screen widgets and CSV export.
Frequently asked questions
Is Toshl Finance or Spendee free?
Toshl Finance: Freemium: a limited free tier with paid Pro and Medici plans. Spendee: Freemium — bank sync and advanced features need a paid plan.
Which is better for India, Toshl Finance or Spendee?
Both are global apps not specifically built around Indian payments. Balance is built for India, with rupee formatting and UPI-screenshot scanning, and is free with no ads.
Is Balance really free?
Yes. Balance is free to use with no ads and no mandatory subscription. Core expense tracking, categories, analytics, receipt scanning and CSV export are all included at no cost.
Keep exploring
Start understanding your money with Balance.
Free forever, no ads, no bank login. Download it on Google Play and start tracking in minutes.