Comparison

Checkbook Register & Ledger vs Quartzo

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

Head to head
About

Checkbook Register & Ledger

Track your income and expenses with this simple, ad-free app. Gain clarity on your spending habits, manage your household budget, and easily record transactions. It provides a clear overview of where your money goes, helping you make informed financial decisions.

Highlights
  • Record income and expenses
  • Track amounts easily
  • Memorize travel expenses
  • Keep a cash book
  • Budget mode overview
  • Quick transaction entry
Features
Read full description

Get more clarity about your money: Expenses shows you your monthly expenses clearly arranged. You can see at a glance where your money is going and increase your awareness of your income and expenses. Without ads because ads are annoying! Get the easiest financial overview and look forward to many more great features. You have an idea for the further development? Write to me and join the development of the simplest and clearest finance app! ‣ Record income and expenses of your household budget ‣ Count your money by easily tracking amounts ‣ Memorize travel expenses quickly and easily and get an overview ‣ Keep a cash book and replace paperwork ‣ Find out quickly when you spent how much money and on what A single tap takes you to the entry of your last expense. Enter the amount, assign a category and optionally enter a short note - done. Expenses helps you quickly capture all those little cash expenses that you might otherwise miss. In budget mode, you can see your remaining budget per year, month and category at a glance. Income and expenses are added up to your total budget and you can see early on whether you need to be a little more careful or can afford something great. Expenses is reduced to the essentials. No frills, no advertising. Finally, a simple, clear and concise expense and budget tracker.

About

Quartzo

Manage your finances with this intuitive app. Track expenses, organize accounts, and set up recurring payments. Customizable notifications and iCloud backup ensure you stay in control of your money.

Highlights
  • Multiple wallets for account organization
  • Expense categorization
  • Automated recurring transaction recording
  • Customizable expense notifications
  • iCloud backup for data security
  • Home screen widgets for quick viewing and addition
  • Apple Pay transaction recognition integration
Features
Read full description

Quartzo is the simple bill organizer and expense tracker that shows where your money goes, what's due this week and how much you'll have left at the end of the month. Log an expense in seconds and see your balance before it happens. KNOW WHAT'S LEFT • Current and projected balance: see what has already come in and gone out, and what will be left after this period's bills and expected income. • Your month's cash flow and balance in one place, with easy period navigation. • A home screen that fits you: choose which sections appear, and in what order, for each wallet. NEVER MISS A BILL AGAIN • Recurrences and installment plans: set them up once and Quartzo takes care of what comes next. • Pending bills at a glance: see what's overdue and what's due in the coming days, and mark it paid with one tap. • Reminders before the due date and a daily summary of your bills. BUDGETS THAT WARN YOU EARLY • Set limits by category and see how much room is left this month. • Get an alert when a budget is close to its limit or goes over. UNDERSTAND YOUR SPENDING • Monthly and yearly trends, compared with the same period before. • Top categories, notable changes and automatic insights. • Search by name, category, wallet or note, and filter by period, type and amount range. ORGANIZED YOUR WAY • Multiple wallets: checking, credit card, home, travel, business, each with its own balance. • Wallets in other currencies. • Categories with an emoji or a brand logo, which also shows on your transactions. • Attach receipts and invoices with the camera or from your photos. WIDGETS AND LOCK SCREEN • Bills due, Overdue bills, Bills this week and Month overview widgets for your Home Screen and Lock Screen. • Pay a bill right from the widget without opening the app. • This month's bills calendar on your Lock Screen as a Live Activity. • Add an expense or income straight from a widget. SHORTCUTS AND AUTOMATIONS • Apple Pay logs itself: pay with a tap and the expense lands in Quartzo with the amount and the store. • Shortcuts actions to add transactions, check a wallet's balance, see this month's spending and open the bills calendar. • Step-by-step guides in the app get everything set up in under a minute. PRIVATE AND IN SYNC • Your data stays in your iCloud and syncs across iPhone and iPad. • Face ID or Touch ID lock. • No account to create and no bank login required. • Light, dark or automatic theme, with a layout built for iPad too. QUARTZO PRO Unlock the whole app: unlimited wallets, categories and budgets, automatic entries, full trends, reminders and daily summary, Lock Screen calendar, attachments, brand logos, wallets in other currencies and biometric lock. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel them in your Apple Account settings. Download Quartzo and start every month knowing exactly where your money is. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.quartzo.app/privacy.html

Screenshots

Checkbook Register & Ledger4 screens
Quartzo4 screens

Verdict

The call

The clearest difference is rating: Checkbook Register & Ledger at 4.8 against Quartzo's 4.3. Checkbook Register & Ledger also leads on review sentiment (98% vs 67%) and ratings volume (133 vs 4). 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. Checkbook Register & Ledger sells 21 in-app purchases, starting at $4.99 per month and Quartzo sells 3 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

Checkbook Register & Ledger holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: Checkbook Register & Ledger has 133 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 98% of Checkbook Register & Ledger's written reviews are positive against 67% of Quartzo's.

UpkeepUpdate frequency

Checkbook Register & Ledger ships an update every 2 weeks, Quartzo weekly. The most recent releases landed on October 20, 2026 and October 19, 2026 respectively.

Scorecard4 real differences · 6 level
Checkbook Register & Ledger versus Quartzo: the parameters behind the verdict, then further details
ParameterCheckbook Register & LedgerQuartzo
PriceFreeFree
Rating4.8 (133 ratings) — better4.3 (4 ratings)
Positive reviews97.7% of reviews — better66.7% of reviews
Number of ratings133 — better4
Update frequencyEvery 2 weeksWeekly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhoneiPhone, iPad — better
Requires iOS16.4 — better18.5
Further details — not scored
Size67 MB43 MB
Age rating4+17+
DeveloperTimo StuebingRafael Ramos

Customer experience

Checkbook Register & Ledger

All ratings133 ratings
Positive97.0%
Neutral1.5%
Negative1.5%
Written reviews130 reviews
Positive97.7%
Neutral1.5%
Negative0.8%

Quartzo

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews24 reviews
Positive66.7%
Neutral8.3%
Negative25.0%

In-app purchases

21 purchases

Checkbook Register & Ledger

Subscriptions10
  • Pro$4.991 Month
  • Pro$7.991 Month
  • Secret Discount for Pro$7.991 Year
Show 7 more
  • Pro$8.991 Month
  • Pro$9.991 Month
  • Secret Discount for Pro$12.991 Year
  • Secret Discount for Pro$17.991 Year
  • Pro7 Days trial2 variants$24.991 Year
  • Pro7 Days trial$29.991 Year
  • Pro7 Days trial$49.991 Year
One-time11
  • Pro (Lifetime)2 variantsFree
  • Pro (Lifetime)$4.99
  • Contribution level 1$5.99
Show 8 more
  • Pro (Lifetime)$7.99
  • Contribution level 2$8.99
  • Pro (Lifetime)$13.99
  • Contribution level 3$14.99
  • Contribution level 4$14.99
  • Contribution level 5$41.99
  • Pro (Lifetime)$69.99
  • Pro (Lifetime)$79.99
3 purchases

Quartzo

Subscriptions2
  • Quartzo Pro: Monthly3 Days trial$3.991 Month
  • Quartzo Pro: Annually$14.991 Year
One-time1
  • Quartzo Pro: Lifetime$19.99

Questions

Is Checkbook Register & Ledger free?
Checkbook Register & Ledger is free to download, with in-app purchases available.
Is Quartzo free?
Quartzo is free to download, with in-app purchases available.
Which has better reviews, Checkbook Register & Ledger or Quartzo?
Checkbook Register & Ledger is rated higher. Checkbook Register & Ledger averages 4.8 out of 5 from 133 ratings, while Quartzo averages 4.3 from 4 ratings.
Do Checkbook Register & Ledger or Quartzo have ads?
Neither Checkbook Register & Ledger nor Quartzo shows ads.
Which is updated more often, Checkbook Register & Ledger or Quartzo?
Checkbook Register & Ledger ships an update every 2 weeks, and Quartzo weekly. Most recently, Checkbook Register & Ledger was updated on October 20, 2026 and Quartzo on October 19, 2026.

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