Comparison

Expense Tracker vs SUM+= Simple Expense Tracker

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Expense Tracker

This app offers a straightforward way to track your income and expenses without requiring account registration or bank connections. It prioritizes local data storage for speed and security, with a familiar interface for instant budgeting. Customize themes, export data, and secure your finances with a passcode.

Highlights
  • Simple and easy to use
  • No account registration
  • Local data storage
  • Budget settings by category
  • Monthly, yearly, and cumulative reports
  • CSV and PDF export
  • Passcode lock with Face ID/Touch ID
Features
Read full description

Simple & Free Budget Tracker A simple budgeting app to track income and expenses with ease. No account registration, no bank connections, and no subscriptions. All data is stored locally for fast, secure, offline use. Designed with a familiar iOS interface, This app lets anyone start budgeting instantly. FEATURES ---------------- • Extremely simple and easy to use • No account registration required • Free to use forever (no hidden charges later) • Built-in calendar for easy tracking • Budget settings by category • Monthly, yearly, and cumulative reports • Unlimited custom categories • Unlimited fixed income and expense settings • 20+ theme colors and 20+ app icons • CSV (Excel) export, PDF export, and printing • Passcode lock with Face ID and Touch ID • iCloud backup and iPad sync • 15+ Home Screen widgets • Lock Screen widgets supported Everything you need for daily expense management, completely free. RECOMMENDED FOR ---------------- • People who don’t want a complicated budgeting app • Users who feel uneasy linking bank accounts or credit cards • Those who dislike apps that constantly connect to the internet • Anyone who wants to record expenses simply and quickly • Users who gave up on receipt scanning apps • People who just want easy input • Anyone who doesn’t want monthly subscription fees This app stores all data locally, so it’s fast, secure, and works offline. Unlike many other apps, there are no monthly subscriptions, and useful features remain free. FEATURE DETAILS ---------------- [ Input ] Tap large, easy-to-press category buttons and enter amounts quickly. The built-in calculator keyboard makes input fast and comfortable. An automatic input mode allows you to enter multiple receipts continuously. [ Calendar ] Check daily income and expenses at a glance on the calendar. Customize the start day of the week and monthly start or closing dates, making it easy to begin tracking from your payday. Add or delete entries directly from the calendar for easy bulk input. Savings and initial balances can be set to display carry-overs and cumulative totals. [ Reports ] Monthly income and expenses are displayed in clear pie charts. View spending ratios by category to easily spot overspending or hidden waste. [ Backup / CSV / PDF Export ] All data can be exported as CSV (Excel-compatible) files. Use exported files as backups and import them when changing devices, including iPhone and iPad. CSV data can also be used on a computer for accounting or tax filing. Monthly data can be exported as PDF files for archiving or printing. [ Theme Colors & App Icons ] Customize the app with over 20 theme colors, from cute pinks to chic dark blues. Change the app icon to match your style, choosing from more than 20 designs. [ Passcode Lock ] Protect your financial data with a passcode. Face ID and Touch ID are fully supported. [ Widgets ] Supports both Home Screen and Lock Screen widgets. Check remaining budgets by category without opening the app. See how much you can still spend this month. Display a mini calendar showing recorded days. Add new entries directly from the Lock Screen with a single tap. ABOUT THE APP ---------------- This is a simple and free budgeting app with no subscriptions. Just record your income and expenses, and the app automatically organizes them into clear calendars and reports, helping you understand your finances at a glance. Unlike overly complex apps that rely on bank syncing or receipt scanning, This app focuses on essential features only, designed to be fast, clear, and easy for anyone to use. 【Terms of Service】 https://komorebi-studio.com/tos_en.html 【Privacy Policy】 https://komorebi-studio.com/policyredirect.html

About

SUM+= Simple Expense Tracker

This finance app simplifies expense tracking with AI assistance, allowing for quick data entry and powerful analysis through large language models. It prioritizes user control and privacy with local data storage and a minimalist design.

Highlights
  • AI-assisted data entry
  • LLM analysis and forecasting
  • Minimalist and beautiful design
  • Local data storage and privacy
  • User-controlled database
  • Subscription options with free trial
Features
Read full description

There are hundreds of expense tracker apps and they all do more or less the same thing. But oddly enough, not a single one suited my needs, so I developed my own. Through small but targeted adjustments, I've developed the app to become my preferred solution: • Control stays with the user while data entry is greatly simplified: The time between "open app" and "entry saved" has been reduced to a minimum. AI can support this process so that in many cases you wouldn't even need to open the app • AI analysis through LLMs: Instead of developing custom analysis logic, the app prepares your data so it can be used directly in Large Language Models like ChatGPT or Claude: for analysis, forecasts and recommendations • Minimalist design: The app is designed to look beautiful and works without distracting extras • Full control & privacy: No login, no account. Data stays locally on your device. You have complete control over your own database. If you want to share your data with an AI, you decide that yourself Financial barriers shouldn't stand in the way of your personal financial planning with Sum. Contact us for individual solutions via the support form. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Expense Tracker4 screens
SUM+= Simple Expense Tracker4 screens

Verdict

The call

The clearest difference is ads: SUM+= Simple Expense Tracker at none against Expense Tracker's shown. SUM+= Simple Expense Tracker also leads on update cadence (every 3 days vs every 3 weeks) and review sentiment (100% vs 90%). Expense Tracker's advantage is ratings volume (3K vs 1) and device support (3 vs 1). On price, rating, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Expense Tracker sells 2 one-off in-app purchases and SUM+= Simple Expense Tracker sells 4 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for Expense Tracker against 5.0 for SUM+= Simple Expense Tracker. That said, the two scores are not equally well evidenced: Expense Tracker has 3K ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 90% of Expense Tracker's written reviews are positive against 100% of SUM+= Simple Expense Tracker's.

UpkeepUpdate frequency

Expense Tracker ships an update every 3 weeks, SUM+= Simple Expense Tracker every 3 days. The most recent releases landed on October 14, 2026 and October 15, 2026 respectively.

Scorecard6 real differences · 4 level
Expense Tracker versus SUM+= Simple Expense Tracker: the parameters behind the verdict, then further details
ParameterExpense TrackerSUM+= Simple Expense Tracker
PriceFreeFree
Rating4.9 (3K ratings)5.0 (1 ratings) — better
Positive reviews89.8% of reviews100.0% of reviews — better
Number of ratings3K — better1
Update frequencyEvery 3 weeksEvery 3 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better26.2
Further details — not scored
Size110 MB28 MB
Age rating4+4+
DeveloperKomorebi Inc.Jonas Zimmermann

Customer experience

Expense Tracker

All ratings2,996 ratings
Positive98.1%
Neutral1.6%
Negative0.3%
Written reviews551 reviews
Positive89.8%
Neutral4.9%
Negative5.3%

SUM+= Simple Expense Tracker

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Expense Tracker

Reported bugs

2 issues
  • Data loss after uninstalling and reinstalling the app
  • Issues with date synchronization after updates

Requested features

5 requests
  • Ability to set budgets for expense categories
  • Option to mark expenses as 'paid'
  • Sync data across multiple devices
  • More detailed reporting and analytics
  • Support for multiple accounts/wallets

SUM+= Simple Expense Tracker

Not enough reviews yet to summarise bugs or requests.

In-app purchases

2 purchases

Expense Tracker

One-time2
  • Removing Ads$12.99
  • Premium Service (Lifetime)$14.99
4 purchases

SUM+= Simple Expense Tracker

Subscriptions2
  • SUM Pro1 Month trial$3.991 Month
  • SUM Pro1 Month trial$22.991 Year
One-time2
  • 7-day TrialFree
  • Sum Premium$6.99

Questions

Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Is SUM+= Simple Expense Tracker free?
SUM+= Simple Expense Tracker is free to download, with in-app purchases available.
Which has better reviews, Expense Tracker or SUM+= Simple Expense Tracker?
SUM+= Simple Expense Tracker is rated higher. Expense Tracker averages 4.9 out of 5 from 3K ratings, while SUM+= Simple Expense Tracker averages 5.0 from 1 ratings.
Do Expense Tracker or SUM+= Simple Expense Tracker have ads?
Expense Tracker shows ads; SUM+= Simple Expense Tracker does not.
Which is updated more often, Expense Tracker or SUM+= Simple Expense Tracker?
Expense Tracker ships an update every 3 weeks, and SUM+= Simple Expense Tracker every 3 days. Most recently, Expense Tracker was updated on October 14, 2026 and SUM+= Simple Expense Tracker on October 15, 2026.

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