# Monetal vs SubVault

The clearest difference is in-app purchases: SubVault at none against Monetal's 12. SubVault also leads on review sentiment (100% vs 88%) and update cadence (weekly vs every 2 weeks). Monetal's advantage is ads (none vs shown) and ratings volume (19 vs 1). On price, rating, device support and iOS requirement there is nothing between them.

Both are free to download. Monetal sells 5 in-app purchases, starting at $4.99 per month. SubVault asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.9 for Monetal against 5.0 for SubVault. That said, the two scores are not equally well evidenced: Monetal has 19 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 88% of Monetal's written reviews are positive against 100% of SubVault's.

Monetal ships an update every 2 weeks, SubVault weekly. The most recent releases landed on September 23, 2026 and September 15, 2026 respectively.

## The numbers

| Metric | Monetal | SubVault |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (19 ratings)](https://appshunter.io/ios/app/monetal-sms-expense-tracker/id1302304930/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/subvault-track-subscriptions/id6451086010/reviews)** |
| Number of ratings | **19** | 1 |
| Positive reviews | 88.2% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 24 MB | 14 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Ilya Krupko](https://appshunter.io/developer/1302304929) | [Haniman Ananthamoorthy](https://appshunter.io/developer/1602379448) |

## What reviewers say

### Monetal

[App page](https://appshunter.io/ios/app/monetal-sms-expense-tracker/id1302304930)

Effortlessly manage your finances with this ad-free expense tracker. Automatically parse transactions from SMS, track income, expenses, and debts across unlimited accounts. Features budgeting tools, detailed history, and cross-device sync for complete financial control.

**Highlights:** SMS transaction parsing, Add transactions in 3 taps, Track expenses, income, and debts, Unlimited multi-currency accounts, Budget planning tools, Cross-device data sync, No ads

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Month | $4.99 | per month |
| Premium Year | $9.99 | per year |
| Premium Year | $19.99 | per year |
| Premium Year | $29.99 | per year |
| Premium Forever | $49.99 | one-time |


### SubVault

[App page](https://appshunter.io/ios/app/subvault-track-subscriptions/id6451086010)

Effortlessly manage your recurring payments and stay on top of your expenses. This app helps you organize all your subscriptions, provides timely bill notifications, and offers a clear overview of your upcoming payments to help you save money.

**Highlights:** Simple subscription management, Customizable subscription options, Clear overview of expenses, Timely bill notifications, Financial management tool

**In-app purchases:** none


## Frequently asked questions

### Is Monetal free?

Monetal is free to download, with in-app purchases available.

### Is SubVault free?

SubVault is free to download, with no in-app purchases.

### Which has better reviews, Monetal or SubVault?

SubVault is rated higher. Monetal averages 4.9 out of 5 from 19 ratings, while SubVault averages 5.0 from 1 ratings.

### Do Monetal or SubVault have ads?

SubVault shows ads; Monetal does not.

### Which is updated more often, Monetal or SubVault?

Monetal ships an update every 2 weeks, and SubVault weekly. Most recently, Monetal was updated on September 23, 2026 and SubVault on September 15, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*