If all you want is to track spending and keep a few budgets on your phone, Spendee is the cheaper and more polished choice. It has a free tier, good native apps, and Premium costs $5.99 a month. MoneySky starts to make sense once your money also includes investments, client invoices and Czech tax duties, because it keeps all of that in one account for €7.99 a month.
Maybe you downloaded Spendee years ago. You set up a budget, maybe shared a cash wallet with your partner, and it did the job. Spendee is made in Prague and, according to its app store listings, almost three million people use it. That is a good product.
But finances tend to get more complicated. You buy your first ETFs. You pick up a freelance client and have to send an invoice. You start wondering whether flat-rate expenses or the flat tax (paušální daň) is better for you, and how close you are to the VAT threshold. Spendee was not built for that part of the journey. MoneySky, which we launched in Prague in 2025, was. Below is where exactly the line sits, including the places where Spendee is simply better.
What Spendee does well (and we will be honest about it)
Mobile apps. Spendee is a native iOS and Android app, with Mac and visionOS builds too. The 6.0 redesign in August 2026 added AI receipt scanning, automatic transfer detection and more history for connected accounts, and home screen widgets arrived in October 2026. MoneySky has no native app.
Shared wallets. On Plus and Premium, the owner can share a wallet with a partner or family, and guests can stay on the free plan. One catch: only manual wallets can be shared. Bank-connected wallets cannot.
Magic AI Scan. Take a photo of a receipt and Spendee fills in the price, category and labels, in several languages. It is a Premium feature.
A real free tier. Basic gives you one cash wallet and one budget for free. MoneySky has no free plan.
Cheap paid tiers. Plus is $1.99 a month and Premium $5.99. If you dislike subscriptions, there is a one-time Lifetime Premium, sold only through the app stores (1,190 to 2,790 Kč in the Czech App Store, depending on the offer).
Wide reach. Spendee says it connects to more than 2,500 financial providers in 50 countries through Salt Edge and Plaid, and Premium can also connect PayPal.
If you are a household that budgets on the phone, Spendee is a good fit, and we have no interest in pretending otherwise.
Where things start to break down
Investing
Spendee's official pages say nothing about tracking stocks or ETFs. So your portfolio lives in another app and your net worth lives nowhere. MoneySky syncs supported investment accounts, and other stock holdings can be added by ticker and are valued at market prices. Banks and investments end up in one net worth figure.
Freelancing
Spendee has no invoicing and no business features. Once you have clients, you need Fakturoid, iDoklad or similar on top: two subscriptions and two places where the same money shows up. In MoneySky you issue invoices with ARES lookup by IČO, a VIES check for EU VAT numbers, any currency and reverse charge. When the payment lands in your bank, the invoice is matched automatically by amount, variable symbol and counterparty. Every invoice downloads as ISDOC and as Peppol BIS 3.0 UBL. You mark transactions as business or personal, and one account can hold several business entities, for example your OSVČ and an s.r.o., at no extra cost.
Czech taxes
Spendee does not know your business exists, so it cannot help with tax. MoneySky compares flat-rate expenses (40, 60 or 80 %), actual expenses and the flat tax side by side, with income tax, social and health insurance for each. It watches the 2,000,000 Kč VAT threshold for the calendar year, prepares the VAT return, the income tax return and the social and health insurance overviews (přehledy) from the same ledger, keeps a filing deadline calendar and gives your accountant exports for any period. It is a calculation tool, not tax advice, but it replaces a lot of spreadsheet work.
Subscriptions and receipts
Spendee's scheduled transactions work only in manual (cash) wallets. MoneySky detects recurring payments in your bank data and suggests subscriptions you could cancel. Receipt scanning is unlimited, and each receipt is linked to the transaction it belongs to.
Sharing with a partner
This used to be a clear Spendee win. MoneySky now lets you share bank accounts, individual transactions and recurring payments with another person. It works differently from Spendee's shared wallets, and it covers bank-connected accounts, which Spendee's sharing does not.
Side by side
Criterion | MoneySky | Spendee |
|---|---|---|
Bank connections | 2,686+ banks in the EU, EEA and UK via GoCardless | 2,500+ providers in 50 countries via Salt Edge and Plaid |
Investments | Investment account sync, other stocks by ticker | No stock or ETF tracking advertised |
Sharing | Bank accounts, transactions and recurring payments | Manual wallets only (Plus and Premium) |
Receipt scanning | Unlimited, linked to transactions | Magic AI Scan (Premium) |
Recurring payments | Detected from bank data, cancellation suggestions | Scheduled transactions in manual wallets |
Invoicing | Yes, with automatic payment matching | No |
Czech tax tools | Regime comparison, VAT threshold, filing documents | No |
Apps | Web app, installable on the phone home screen | iOS, Android, Mac; web app without budgets |
Free trial | 14 days, no card | 7 days, payment details required |
Data stored | EU | EU (Belgium) and USA |
The real cost comparison
On headline price Spendee is cheaper, full stop. If budgeting is all you need, Spendee Basic is free and Plus costs $14.99 a year. MoneySky cannot compete with that and does not try.
Plan | Monthly | Yearly | Notes |
|---|---|---|---|
MoneySky | €7.99 (about 200 Kč) | €79.90 (about 2,000 Kč) | Everything included; 14-day trial, no free plan |
Spendee Basic | Free | Free | 1 cash wallet, 1 budget |
Spendee Plus | $1.99 | $14.99 | Shared wallets |
Spendee Premium | $5.99 (129 to 149 Kč in the Czech App Store) | $35.99 | Bank sync, Magic AI Scan; Lifetime Premium 1,190 to 2,790 Kč |
Prices as listed on the providers' websites and in the Czech App Store in October 2026. Spendee notes that prices may differ by country. Check their pricing pages before you decide.
The picture changes once you also invoice. Spendee has no invoicing, so the fair comparison is Spendee plus an invoicing tool against MoneySky alone. Fakturoid is the most common choice in Czechia. Its Na lehko plan does not match bank payments; Na každý den does.
Setup | Per month | Per year |
|---|---|---|
Spendee Premium + Fakturoid Na každý den | about 360 to 380 Kč | about 3,300 Kč |
Spendee Premium + Fakturoid Na lehko | about 290 to 315 Kč | about 2,600 Kč |
MoneySky | about 200 Kč | about 2,000 Kč |
Spendee monthly at Czech App Store prices, yearly at $35.99 (roughly 800 Kč). Fakturoid excluding VAT as listed on its pricing page in October 2026, monthly billing in the monthly column and annual billing in the yearly column. Check current prices before you decide.
The cheap option deserves a mention too. If you have at most five clients, Fakturoid's free plan plus Spendee Basic costs nothing. You reconcile payments yourself and keep your investments and taxes elsewhere. For a lot of people starting out, that is a perfectly reasonable setup. We look at the invoicing side in more detail in MoneySky vs Fakturoid.
What we do not have yet
No native iOS or Android app. MoneySky is a web app you can install on your phone's home screen, but Spendee's mobile experience, widgets included, is more mature.
No offline mode.
No free plan and no lifetime purchase.
No balance forecast. We detect recurring payments, but we do not project your balance.
Bank coverage only in the EU, EEA and UK.
We are younger and have far fewer users than Spendee.
So who is MoneySky actually for?
Choose Spendee if you track personal spending, budget on your phone, maybe share a cash wallet with a partner, and nothing else. It is cheaper, it has a free tier and the apps are excellent.
Choose MoneySky if your money spans personal spending, investments, invoicing and Czech tax compliance, and you are tired of keeping four apps and a spreadsheet in sync. Spendee is a strong first chapter. MoneySky is built for the chapters after it.
If you are still choosing between budgeting apps, our comparison of MoneySky vs Wallet by BudgetBakers covers the other big Czech option.
FAQ
Is Spendee free?
Partly. Basic is free with one cash wallet and one budget. Unlimited wallets and sharing need a paid tier, and bank sync and Magic AI Scan come with Premium ($5.99 a month or $35.99 a year). Subscriptions can only be bought in the mobile apps, and the 7-day trial asks for payment details. See Spendee's pricing.
Is Spendee safe?
Spendee is run by SPENDEE a.s., a Prague company. Its privacy policy names Salt Edge and Plaid as processors for bank connections and says its database servers are in the EU (Belgium) and the USA. That is a normal setup for a budgeting app; whether US storage matters to you is your call. MoneySky stores data in the EU, and bank access through GoCardless is read-only and cannot initiate payments.
Does Spendee work with Czech banks?
Czechia is among the 50 countries on Spendee's supported banks page, but the page does not name individual Czech banks, so check in the app before you pay. MoneySky's list of supported banks is public, and most Czech banks return up to two years of history on the first sync.
Can Spendee handle invoices or business expenses?
No. Spendee has no invoicing and no business tier. If you freelance, you need a separate invoicing tool, or a platform like MoneySky that does both.
If your finances have outgrown a budgeting app, connect one bank account and see what MoneySky makes of it. The 14-day free trial needs no card, and if it is not for you, export your data and delete the account.