Comparison

Expenses vs zero

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

Head to head
About

Expenses

Easily track your spending and income in any currency with this private finance app. Organize expenses with custom categories and gain insights into your spending habits through intuitive charts and trends. Collaborate with others on shared sheets and sync data across Apple devices.

Highlights
  • Expense and income tracking
  • Multi-currency support with auto exchange rates
  • Customizable categories
  • Spending trend analysis
  • Real-time sheet sharing
  • Private by design, no account needed
  • Data import/export (CSV)
Features
Read full description

Track your spending with Expenses Expenses focuses on what matters: tracking your money simply and privately. Log expenses and income in any currency, scan receipts to enter details faster, organize spending by category and merchant, and understand your habits with intuitive stats and spending trends. With iCloud, your data stays in sync across iPhone, iPad, Mac, and Apple Vision Pro. You can also share a sheet with others to manage expenses together seamlessly. • Featured by Apple on the App Store • Used by people in 100+ countries Start effortlessly There is no learning curve and no account to create. Just open the app and start adding your expenses or income in seconds. When you travel, you can add expenses in different currencies. Exchange rates update automatically for major currencies, and you can set custom rates whenever you need. Scan receipts faster Capture receipts and turn them into expense entries with less manual typing. Expenses helps you keep accurate records while staying focused on your spending, not data entry. Organize with categories and merchants Create and customize categories that fit your life, then track where your money goes by merchant. Whether you want to review grocery trips, subscriptions, restaurants, or travel costs, merchant support makes your spending easier to understand. Discover where your money really goes See the bigger picture with visual trends over time and detailed breakdowns by category and merchant. Turn your spending data into actionable insights that help you make smarter financial decisions. Share and collaborate Planning a trip? Managing a household? Invite others to share a sheet and track expenses together in real time. Privacy built in Expenses is private by design. No sign-ups and no personal data collection. Your information stays on your device or in iCloud, always under your control. Import and export your data You can export your expenses as a CSV file anytime for backup or further analysis. Expenses also supports importing existing data from CSV, making it easy to migrate from other tools or bring in previous records. Designed for everyone Expenses works beautifully on iPhone, iPad, Mac, and Apple Vision Pro with: • Dark Mode for comfortable viewing • Widgets for quick expense entry • Shortcuts automation support • Full accessibility features • Instant sync across all your devices Download Expenses today and see where your money goes. Terms and Conditions: https://bluecometlabs.com/terms/ Privacy Policy: https://bluecometlabs.com/privacy/ Contact: https://expenses.cash/contact/

About

zero

This app helps you track expenses and manage money owed without requiring an account or internet connection. It offers a clean interface for quick entry, custom categories, and visual reports to understand your spending. Your financial data remains private and is stored locally on your device.

Highlights
  • Offline expense tracking
  • No account required
  • Track money owed and lent
  • Customizable categories
  • Visual spending reports
  • Data export and import
  • Privacy-focused local storage
Features
Read full description

WHY zero? Most finance apps want your data. zero wants nothing. • No account required: start tracking in seconds • No internet needed: works 100% offline • No ads, no subscriptions: completely free • No data collection: your finances stay private TRACK EXPENSES EFFORTLESSLY Add expenses in seconds with a clean, minimal interface designed for daily use. • Quick entry with amount, title & category • Custom categories with icons and colors • Date picker for past expenses • Notes and descriptions for every transaction MANAGE MONEY YOU OWE & ARE OWED Never forget an IOU again. • Track money you lent and borrowed • Organize by person with custom icons • See total balances at a glance BEAUTIFUL REPORTS & INSIGHTS Understand your spending with clear, visual reports. • Monthly expense breakdown with pie charts • Daily spending calendar heatmap • Category-wise analysis • Filter by month and year DESIGNED FOR YOU • Dark mode & light mode • Multiple currency support • Export & import your data • Fast, lightweight, battery-friendly PRIVACY BY DESIGN Zero is built on a simple principle: your money, your business. All data is stored locally on your device. No servers, no cloud, no sync, no analytics, no third-party SDKs. Your financial data never touches the internet. Download zero and take control of your finances, privately.

Screenshots

Expenses4 screens
zero4 screens

Verdict

The call

The clearest difference is rating: Expenses at 4.8 against zero's 3.3. Expenses also leads on ratings volume (1.8K vs 3) and update cadence (every 4 days vs every 2 weeks). zero's advantage is in-app purchases (none vs 3). On price, ads, device support and iOS requirement 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. Expenses sells 3 in-app purchases, starting at $1.99 per month. zero asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Expenses holds the better App Store score, 4.8 against 3.3. That said, the two scores are not equally well evidenced: Expenses has 1.8K ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 87% of Expenses's written reviews are positive against 67% of zero's.

UpkeepUpdate frequency

Expenses ships an update every 4 days, zero every 2 weeks. The most recent releases landed on September 23, 2026 and September 13, 2026 respectively.

Scorecard6 real differences · 4 level
Expenses versus zero: the parameters behind the verdict, then further details
ParameterExpenseszero
PriceFreeFree
Rating4.8 (1.8K ratings) — better3.3 (3 ratings)
Positive reviews87.3% of reviews — better66.7% of reviews
Number of ratings1.8K — better3
Update frequencyEvery 4 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, Mac, Vision Pro — betteriPhone, iPad, iPod
Requires iOS16.015.1 — better
Further details — not scored
Size70 MB31 MB
Age rating4+4+
DeveloperBLUE COMET LABS LLCLossless Protocols

Customer experience

Expenses

All ratings1,811 ratings
Positive95.4%
Neutral2.0%
Negative2.5%
Written reviews402 reviews
Positive87.3%
Neutral5.0%
Negative7.7%

zero

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews3 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

Bugs and requests

Expenses

Reported bugs

4 issues
  • Syncing issues between devices
  • Disappearing transaction data after updates
  • Inconsistent balance display
  • Unresponsive UI elements

Requested features

5 requests
  • Ability to create folders/groups for sheets
  • Option to view combined stats across sheets
  • Recurring expense/income tracking
  • Improved sorting and filtering of transactions
  • Budget comparison and forecasting tools

zero

Not enough reviews yet to summarise bugs or requests.

In-app purchases

3 purchases

Expenses

Subscriptions2
  • Expenses Pro - Monthly$1.991 Month
  • Expenses Pro - Yearly$14.991 Year
One-time1
  • Expenses Pro - Lifetime$39.99
None

zero

No in-app purchases

Questions

Is Expenses free?
Expenses is free to download, with in-app purchases available.
Is zero free?
zero is free to download, with no in-app purchases.
Which has better reviews, Expenses or zero?
Expenses is rated higher. Expenses averages 4.8 out of 5 from 1.8K ratings, while zero averages 3.3 from 3 ratings.
Do Expenses or zero have ads?
Neither Expenses nor zero shows ads.
Which is updated more often, Expenses or zero?
Expenses ships an update every 4 days, and zero every 2 weeks. Most recently, Expenses was updated on September 23, 2026 and zero on September 13, 2026.

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