# Monity vs SubZero

The clearest difference is in-app purchases: Monity at none against SubZero's 2. Monity also leads on ads (none vs shown) and iOS requirement (12.0 vs 17.0). On price, update cadence and device support there is nothing between them.

Both are free to download. SubZero sells 2 in-app purchases, starting at $4.99 per month. Monity asks for nothing beyond the download.

Monity ships an update every 3 weeks, SubZero monthly. The most recent releases landed on October 12, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | Monity | SubZero |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free | — |
| Size | 35 MB | 13 MB |
| Requires iOS | **12.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Niklas Kuder](https://appshunter.io/developer/1602670933) | [emirhan cifci](https://appshunter.io/developer/1837498715) |

## What reviewers say

### Monity

[App page](https://appshunter.io/ios/app/monity-private-finances/id1602670931)

Gain a clear understanding of your financial situation with detailed income and expense tracking. Visualize your assets over time and manage cash flow efficiently. All your financial data is stored securely and locally on your device.

**Highlights:** Income and expense tracking, Cash flow overview, Investment visualization, Local data storage, Encrypted backup files

**In-app purchases:** none


### SubZero

[App page](https://appshunter.io/ios/app/subzero-subscription-tracker/id6760584552)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SubZero Pro Monthly | $4.99 | per month |
| SubZero Pro Yearly | $39.99 | per year |


## Frequently asked questions

### Is Monity free?

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

### Is SubZero free?

SubZero is free to download, with in-app purchases available.

### Do Monity or SubZero have ads?

SubZero shows ads; Monity does not.

### Which is updated more often, Monity or SubZero?

Monity ships an update every 3 weeks, and SubZero monthly. Most recently, Monity was updated on October 12, 2026 and SubZero on October 18, 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.*