# Expenzing | TEM vs Howden Benefits

The clearest difference is iOS requirement: Expenzing | TEM at 12.0 against Howden Benefits's 17.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Expenzing | TEM ships an update every 10 days, Howden Benefits every 9 days. The most recent releases landed on October 2, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | Expenzing | TEM | Howden Benefits |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 75.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 10 days | **Every 9 days** |
| Monetization | Free | — |
| Size | 32 MB | 0 MB |
| Requires iOS | **12.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Nexstep Infotech Pvt lTd](https://appshunter.io/developer/1042262229) | [Howden Insurance Brokers India Private Limited](https://appshunter.io/developer/908621245) |

## What reviewers say

### Expenzing | TEM

[App page](https://appshunter.io/ios/app/expenzing-tem/id1532702284)

Easily track your expenses with this finance management tool. It offers a straightforward way to monitor spending and is compatible with specific versions of Expenzing TNE.

**Highlights:** Easy expense tracking, Spending monitoring, TNE version compatibility

**Features:** macOS Compatibility

**In-app purchases:** none


### Howden Benefits

[App page](https://appshunter.io/ios/app/howden-benefits/id1660737397)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Expenzing | TEM free?

Expenzing | TEM is free to download, with no in-app purchases.

### Is Howden Benefits free?

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

### Do Expenzing | TEM or Howden Benefits have ads?

Neither Expenzing | TEM nor Howden Benefits shows ads.

### Which is updated more often, Expenzing | TEM or Howden Benefits?

Expenzing | TEM ships an update every 10 days, and Howden Benefits every 9 days. Most recently, Expenzing | TEM was updated on October 2, 2026 and Howden Benefits on October 27, 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.*