Comparison

Cookie vs Z Saving

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

Head to head
About

Cookie

Easily manage your finances with customizable categories, budget goals, and savings plans. Track expenses, income, and accounts across multiple currencies with automatic exchange rate conversion. Offers privacy protection and cloud sync across devices.

Highlights
  • Customizable income/expense categories
  • Budget goal setting
  • Savings plan creation
  • Multi-currency support with auto-conversion
  • Subscription & installment management
  • Cloud sync across devices
  • Privacy protection with password lock
Features
Read full description

【App Store Editors' Choice】 The most beautiful and intuitive Budget & Expense app. Thank you for choosing Cookie. Ad-free, no splash screens, and zero financial distractions. Beyond the bills, it’s the footprint of your life. 【Aesthetics as Justice】 Experience the "Liquid Glass" effect perfectly paired with Material You dynamic color palettes. Switch between multiple themes freely to suit your style. Access over 3,000 built-in emoji icons or upload your own to personalize every entry. 【All-in-One AI Entry】 Cookie supports screenshot, voice, photo, and text entry. Our AI large models automatically identify information and generate entries, truly freeing your hands for a seamless tracking experience. 【Multi-Dimensional Scenarios】 Cover everything from budget management and savings plans to subscription installments and templates. With support for multiple ledgers and reimbursement management, Cookie meets every need from meticulous planning to quick entry. 【Multi-Currency Support】 Supports over 100 global currencies with exchange rates updated daily. It is the ideal financial tool for international students and cross-border travelers. 【Free Cloud Sync】 Your data is securely stored in iCloud, with real-time synchronization across iPhone, iPad, Mac, and Apple Watch for a consistent experience on all your devices. 【Home Screen Widgets】 Stay on top of your finances with a variety of widgets for income, budgets, savings, calendars, and streaks. Monitor your financial status at a glance without even opening the app. 【Data Security】 Protect your privacy with FaceID passcode locks and automatic blurring when the app enters the background. Your financial data remains strictly confidential and secure. ● Contact Us A. Xiaohongshu: Cookie 记账 B. Email: feedback@noncurious.com ● Auto-Renewable Subscription Terms A. Subscription Pricing: Monthly at ¥6, Yearly at ¥30, or Lifetime Purchase for ¥68. Prices are subject to exchange rates and may vary by region; adjustments may occur during promotional periods. B. Cancellation: To cancel, please manually disable the auto-renewal feature in your Apple ID settings at least 24 hours before the current period expires. C. Privacy Policy: https://noncurious.com/cookie/privacy D. User Agreement: https://noncurious.com/cookie/usage

About

Z Saving

Track your savings goals with this minimalist app. It automatically calculates progress, displays trends with charts, and allows for detailed notes. Your financial data is stored locally and can be exported, ensuring privacy and control.

Highlights
  • Automatic savings statistics
  • Trend charts for financial progress
  • Detailed saving notes
  • Local data storage
  • iCloud data backup
  • JSON data import/export
Features
Read full description

Z Saving is a green and pure local recording App. You can use it to complete a long-term savings plan, and you can see statistics and trends by simply recording. 【Features】 - Automatic statistics. Every time you record a savings, it will automatically calculate how far you are from your goal and the total amount after deducting expenses. - Trend charts. The same as above will automatically generate a line chart of the total amount relative to time, and you can see the changing trend over a period of time. - Comes with notes. You can record details and memos about saving money for easy reference later. - Safe and reliable. Data is only stored locally and can be synchronized across devices through iCloud's data backup function. - Data freedom. Data can be imported and exported at any time, using the common JSON format. Your data is yours. This tool focuses on recording money and does not add any advertisements or other irrelevant content. If you also like this kind of green minimalist App, please leave your support in the comment area, it is very important to us, thank you!

Screenshots

Cookie4 screens
Z Saving4 screens

Verdict

The call

The clearest difference is monetization model: Z Saving at free against Cookie's free with in-app purchases. Z Saving also leads on review sentiment (100% vs 92%). Cookie's advantage is device support (5 vs 3). On price, update cadence, ads and in-app purchases 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. Cookie sells 4 in-app purchases, starting at $0.99 per month and Z Saving sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Cookie ships an update every 9 days, Z Saving every 8 days. The most recent releases landed on October 27, 2026 and October 20, 2026 respectively.

Scorecard3 real differences · 7 level
Cookie versus Z Saving: the parameters behind the verdict, then further details
ParameterCookieZ Saving
PriceFreeFree
Rating4.9 (338 ratings) — better—
Positive reviews91.8% of reviews100.0% of reviews — better
Number of ratings338 — better—
Update frequencyEvery 9 daysEvery 8 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod, Mac, Apple Watch — betteriPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size137 MB23 MB
Age rating4+4+
DeveloperBeijing Noncurious Technology Co., Ltd.SeeHigh Tech

Customer experience

Cookie

All ratings338 ratings
Positive96.4%
Neutral1.5%
Negative2.1%
Written reviews159 reviews
Positive91.8%
Neutral3.8%
Negative4.4%

Z Saving

Written reviews8 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Cookie

Reported bugs

3 issues
  • Disappearing transaction history
  • Incorrect currency conversion
  • Widget and Apple Watch app issues

Requested features

5 requests
  • Ability to import data from other apps
  • Customizable budgeting and forecasting tools
  • Multi-user and shared account support
  • Automatic categorization and tagging
  • Integration with banking/financial services

Z Saving

Not enough reviews yet to summarise bugs or requests.

In-app purchases

4 purchases

Cookie

Subscriptions2
  • Cookie Monthly Membership$0.991 Month
  • Cookie Annual Premium Member$4.491 Year
One-time2
  • 打赏催更$0.99
  • Cookie lifetime premium member$9.99
1 purchases

Z Saving

One-time1
  • Z Saving Premium - Lifetime$9.99

Questions

Is Cookie free?
Cookie is free to download, with in-app purchases available.
Is Z Saving free?
Z Saving is free to download, with in-app purchases available.
Do Cookie or Z Saving have ads?
Neither Cookie nor Z Saving shows ads.
Which is updated more often, Cookie or Z Saving?
Cookie ships an update every 9 days, and Z Saving every 8 days. Most recently, Cookie was updated on October 27, 2026 and Z Saving on October 20, 2026.

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