# Luci vs AlmostZero

The clearest difference is in-app purchases: Luci at none against AlmostZero's 10. Luci also leads on rating (5.0 vs 4.7) and update cadence (every 6 days vs every 2 weeks). AlmostZero's advantage is ratings volume (78 vs 22). On price, ads and device support there is nothing between them.

Both are free to download. AlmostZero sells 10 in-app purchases, starting at $0.99 per month. Luci asks for nothing beyond the download.

Luci holds the better App Store score, 5.0 against 4.7. Both are backed by a comparable volume of ratings — 22 and 78 respectively. Written reviews point the same way: 100% of Luci's written reviews are positive against 86% of AlmostZero's.

Luci ships an update every 6 days, AlmostZero every 2 weeks. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Luci | AlmostZero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (22 ratings)](https://appshunter.io/ios/app/luci-soon-science-inc/id1608114955/reviews)** | [4.7 (78 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews) |
| Number of ratings | 22 | **78** |
| Positive reviews | **100.0% of reviews** | 85.7% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 6 days** | Every 2 weeks |
| Monetization | **Free** | Free with in-app purchases |
| Size | 351 MB | 224 MB |
| Requires iOS | **12.0** | 26.2 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Soon Science Inc](https://appshunter.io/developer/1501351369) | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) |

## What reviewers say

### Luci

[App page](https://appshunter.io/ios/app/luci-soon-science-inc/id1608114955)

Gamify your financial journey to achieve goals and earn achievements. This app offers budgeting, savings tracking, credit building, and investment guidance using advanced analytics and simulations. It prioritizes your security and privacy by securely connecting to your bank.

**Highlights:** Gamified financial goal setting and tracking, Weekly and monthly budgeting with analytics, Emergency savings calculation, Credit score building tools, Credit card rewards maximization, Retirement investing guidance (401k, IRA), Financial knowledge playbooks and mini-games

**In-app purchases:** none


### AlmostZero

[App page](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024)

Manage all your debts, track spending, and set savings goals. Visualize your financial progress with clear charts and utilize proven repayment strategies to become debt-free faster. Gain a comprehensive view of your finances by linking debts to assets and access helpful financial education.

**Highlights:** Debt & Loan Management, Expense Tracking, Savings Goals, Link to Assets, Repayment Strategies (Snowball/Avalanche), Financial Education, Multiple Currencies

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

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Pro | $0.99 | per month |
| AlmostZero Pro Monthly | $4.99 | per month |
| AlmostZero Pro Yearly | $29.99 | per year |
| Tip | $3.99 | one-time |
| Tip | $7.99 | one-time |
| Tip | $12.99 | one-time |
| Lifetime Pro | $14.99 | one-time |
| Tip | $14.99 | one-time |
| Steak Dinner sized Tip | $19.99 | one-time |
| Lifetime AlmostZero Pro | $49.99 | one-time |


## Frequently asked questions

### Is Luci free?

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

### Is AlmostZero free?

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

### Which has better reviews, Luci or AlmostZero?

Luci is rated higher. Luci averages 5.0 out of 5 from 22 ratings, while AlmostZero averages 4.7 from 78 ratings.

### Do Luci or AlmostZero have ads?

Neither Luci nor AlmostZero shows ads.

### Which is updated more often, Luci or AlmostZero?

Luci ships an update every 6 days, and AlmostZero every 2 weeks. Most recently, Luci was updated on November 3, 2026 and AlmostZero on October 30, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*