Comparison

Shared Expense Tracker & Bills vs Plan & Multiply

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

Head to head
About

Shared Expense Tracker & Bills

This app helps couples, families, and roommates manage shared finances and household tasks. It allows for budgeting, expense splitting, receipt management, and collaborative to-do lists. Achieve financial harmony and streamline household responsibilities together.

Highlights
  • Shared budgeting and spending limits
  • Real-time balance tracking
  • Customizable income/expense categories
  • Task assignment and management
  • Receipt capture and OCR
  • Flexible expense splitting
  • Collaborative shopping and to-do lists
Features
Read full description

Organize finances with Shareroo — the go-to budgeting and task-management app used by 1,000,000 couples, families, and roommates across the globe who budget, plan, and share expenses and tasks. JOIN RESPONSIBLE HOUSEHOLDS WHO: • Organize your budget with monthly spending limits & real-time balance tracking • Customize income and expense categories & share without linking bank accounts • Assign and manage to-do tasks with customizable completion conditions • Collaborate with up to 10 people on financial & household tasks • Seamlessly delegate household chores & responsibilities • Save by splitting expenses & managing receipts easily • Enhance coordination with deadline notifications • Share shopping lists, to-do lists, & grocery lists • Get automatic backups & settlement options • Achieve financial freedom together [ YOUR BUDGET PLANNER ] • Share expenses and income easily to get a comprehensive view, with beautiful pie charts per category or family member. • View statistics instantly to see a complete picture of your financial life. [ RECEIPT MANAGEMENT ] • Capture receipts by snapping photos and utilize OCR to extract the total amount. • Tailor receipt categories for precise tracking. [ BUDGET PLANNING MADE SIMPLE ] • Set monthly budgets to know your remaining amount and modify the closing day of the month. • Calendar view and sorting options enable you to control your shared living expenses effortlessly. [ CUSTOMIZATION & SHARING ] • Customize expense and income categories at your convenience. • Divide expenses flexibly: equal, ratio, or amounts. • Automatically make settlements with your partner. [ TO-DO LISTS ] • Collaboratively craft grocery lists, allowing your partner to seamlessly add items. • Create events or reminders for your partner. • Get notified when a deadline is set, enhancing task coordination and sharing within the household. • Stay updated with notifications whenever a purchase is completed. [ FLEXIBLE EXPENSE SHARING ] • Use Home Spending Tracker: Shareroo for common wallet management, money splitting, and settlement of advances. • Seamlessly delegate household chores and tasks to make living together more harmonious. [ FAQ ] Q1: What can I do with a shared budget in Shareroo? A1: Share expenses with couples, families, or roommates and handle split bills and settlements in one flow. It goes beyond simple sharing by taking you from tracking to settling in the same app. Q2: How is this different from simply sharing one budget account? A2: Some apps only let others view one account. Shareroo records each person’s share and advances, then supports member‑to‑member settlements. Q3: Do I need to link bank accounts? A3: No. You can share and manage expenses without linking bank accounts. Q4: How many people can collaborate? A4: Up to 10 people can collaborate. It works for couples, co‑living, roommates, and friend groups. Q5: Can I split expenses flexibly? A5: Yes. Split by equal, ratio, or exact amounts, then settle with one tap. Q6: Can I set budgets and see remaining balance? A6: Yes. Set a monthly budget and see your remaining balance. Q7: Does it support receipt capture and OCR? A7: Yes. Take a photo to auto‑input receipts and reduce manual entry. Q8: Can I share to-do and grocery lists? A8: Yes. Share shopping lists and to‑do lists to manage household tasks together. Q9: Is there automatic backup? A9: Yes. Automatic backups are available for your data. Q10: Who is it best for? A10: Couples, families, roommates, or friends who want to share expenses without linking bank accounts. It’s also a good fit if you need multiple budgets or 3+ people in one group. EULA: https://shareroo.firebaseapp.com/shareroo_termofuse_v01_en.pdf

About

Plan & Multiply

Take control of your finances with this private budgeting app. Log expenses quickly, track spending, and manage bills without connecting to your bank. Offers offline functionality and optional premium features for enhanced sharing and long-term tracking.

Highlights
  • 100% bank connection-free
  • Quick expense logging
  • Siri integration for hands-free logging
  • Offline functionality
  • Shared budgeting with partners
  • Recurring bill tracking
  • Long-term wealth view
Features
Read full description

You know that knot in your stomach at the end of the month? You stare at your account, no idea where the money went? Plan & Multiply isn't just a budget app. It's a calm voice that helps you take back control, without judging you. WHAT YOU CAN DO • 100% without a bank connection — no passwords, no scraping, fully private and yours to control • Log an expense in 3 seconds — one tap, that's it • Add an expense with Siri, hands-free — "Add an expense to Plan & Multiply" • See your available money and allocate it in one tap — you decide, the app recalculates • See exactly what you can spend today — no more mental math • Catch price hikes and duplicate subscriptions — the app alerts you before you pay • Share a budget with your partner — free, no account needed • Run several budgets in parallel — personal, couple, vacation project • Track recurring bills that match themselves automatically — rent, Netflix, insurance • Build healthy habits month after month — no childish badges or levels • Keep a long-term wealth view — accounts, real estate, investments • Split your budget in 3 — Bills, Daily, Projects, grown-up and simple • Work 100% offline — your data stays with you • Talk with Kim, a kind and discreet money coach — 100% private, no ads, no data resale • Use the app in 6 languages — English, French, German, Spanish, Italian, Portuguese COUPLE SHARING Inviting a partner and both adding to a shared budget are free. With Premium, your shared space syncs automatically, and it only takes one of you to have Premium. 100% YOURS No bank connection. No scraping. No data resale. The app works offline, and your data is encrypted before any sync. PREMIUM Premium unlocks: automatic couple sync for your shared space, long-term tracking across months, continuous subscription audit. Premium comes with a 7-day free trial. Monthly or yearly — the price for your country is shown in the app and on your App Store page. No commitment, cancel anytime.

Screenshots

Shared Expense Tracker & Bills4 screens
Plan & Multiply4 screens

Verdict

The call

The clearest difference is ads: Plan & Multiply at none against Shared Expense Tracker & Bills's shown. Plan & Multiply also leads on rating (5.0 vs 4.7). Shared Expense Tracker & Bills's advantage is ratings volume (303 vs 1) and update cadence (every 2 days vs every 5 days). On price, review sentiment, 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. Shared Expense Tracker & Bills sells 5 in-app purchases, starting at $3.99 per month and Plan & Multiply 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

Plan & Multiply holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Shared Expense Tracker & Bills has 303 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 71% of Shared Expense Tracker & Bills's written reviews are positive against 69% of Plan & Multiply's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Shared Expense Tracker & Bills ships an update every 2 days, Plan & Multiply every 5 days. Both last shipped on October 30, 2026.

Scorecard4 real differences · 6 level
Shared Expense Tracker & Bills versus Plan & Multiply: the parameters behind the verdict, then further details
ParameterShared Expense Tracker & BillsPlan & Multiply
PriceFreeFree
Rating4.7 (303 ratings)5.0 (1 ratings) — better
Positive reviews70.9% of reviews — better68.8% of reviews
Number of ratings303 — better1
Update frequencyEvery 2 days — betterEvery 5 days
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better16.0
Further details — not scored
Size160 MB113 MB
Age rating4+4+
Developertakaaki onoTaliane Tchissambou

Customer experience

Shared Expense Tracker & Bills

All ratings303 ratings
Positive93.4%
Neutral3.3%
Negative3.3%
Written reviews278 reviews
Positive70.9%
Neutral9.0%
Negative20.1%

Plan & Multiply

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews16 reviews
Positive68.8%
Neutral6.3%
Negative25.0%

In-app purchases

5 purchases

Shared Expense Tracker & Bills

Subscriptions4
  • Use all functions for 1 month.$3.991 Month
  • Use all functions for 3 months$9.993 Months
  • Use all functions for 1 year.$29.991 Year
Show 1 more
  • Try for free. Cancel anytime.7 Days trial$29.991 Year
One-time1
  • Lifetime Premium Plan$59.99
4 purchases

Plan & Multiply

Subscriptions4
  • Monthly Premium14 Days trial$3.991 Month
  • For both of you — $8.99/mo7 Days trial$3.991 Month
  • Annual Premium — 2 Months Free14 Days trial$29.991 Year
Show 1 more
  • For both of you — $79.99/yr7 Days trial$44.991 Year

Questions

Is Shared Expense Tracker & Bills free?
Shared Expense Tracker & Bills is free to download, with in-app purchases available.
Is Plan & Multiply free?
Plan & Multiply is free to download, with in-app purchases available.
Which has better reviews, Shared Expense Tracker & Bills or Plan & Multiply?
Plan & Multiply is rated higher. Shared Expense Tracker & Bills averages 4.7 out of 5 from 303 ratings, while Plan & Multiply averages 5.0 from 1 ratings.
Do Shared Expense Tracker & Bills or Plan & Multiply have ads?
Shared Expense Tracker & Bills shows ads; Plan & Multiply does not.
Which is updated more often, Shared Expense Tracker & Bills or Plan & Multiply?
Shared Expense Tracker & Bills ships an update every 2 days, and Plan & Multiply every 5 days. Most recently, Shared Expense Tracker & Bills was updated on October 30, 2026 and Plan & Multiply on October 30, 2026.

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