It's semantics, but I'd say such applications are more akin to "toys" (in a non-pejorative sense) than "games"

Toy is sort of a loaded term, especially for Mac users. That was a favorite catch phrase/insult for a number of years. Either way, the simple fact is that does keep track of your money.

I guess sometimes people think an app doesn't have the proper number or correct features, but it's entirely subjective.