Comparison

Monee vs zero

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

Head to head
About

Monee

Easily track your income and expenses with this intuitive finance manager. Gain clear insights into your spending habits, organize finances by custom categories, and manage group budgets. Protect your data with biometric security and export your financial history.

Highlights
  • Track income and expenses
  • Organize by custom categories
  • Manage group finances
  • Add recurring transactions
  • In-depth financial analysis
  • Export financial data
  • Biometric data protection
Features
Read full description

Enter the amount, select a category, and optionally add a short note - that's it. Get better insight into your finances: Monee displays your monthly expenses and income in an organized way. You can instantly see where your money is going and develop a better understanding of your income and expenses. No registration required - because it's annoying. No ads - because they're annoying. No tracking - because it's annoying. Free - because subscriptions are annoying. As a user of the app, you can: ► Easily manage the finances of your family, shared apartment, or other groups. ► Create unlimited accounts and invite people. ► Add unlimited expenses and income. ► Add recurring expenses and income. ► Organize your finances by self-created categories. ► Perform in-depth analyses of your income and expenses. ► Filter transactions by various criteria such as type, frequency, or people involved. ► Work with any currency worldwide. ► Easily export your financial data. Additionally, you can: ► Protect your data using Face ID, Touch ID, or a code ► Set the start of the month to any day ► Transfer your previous balance to the current period Do you have comments and suggestions for improvement? Write to me and let's make the app better together. Do you like the app? I'd appreciate a positive review! Best regards Stephan Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

zero

This app helps you track expenses and manage money owed without requiring an account or internet connection. It offers a clean interface for quick entry, custom categories, and visual reports to understand your spending. Your financial data remains private and is stored locally on your device.

Highlights
  • Offline expense tracking
  • No account required
  • Track money owed and lent
  • Customizable categories
  • Visual spending reports
  • Data export and import
  • Privacy-focused local storage
Features
Read full description

WHY zero? Most finance apps want your data. zero wants nothing. • No account required: start tracking in seconds • No internet needed: works 100% offline • No ads, no subscriptions: completely free • No data collection: your finances stay private TRACK EXPENSES EFFORTLESSLY Add expenses in seconds with a clean, minimal interface designed for daily use. • Quick entry with amount, title & category • Custom categories with icons and colors • Date picker for past expenses • Notes and descriptions for every transaction MANAGE MONEY YOU OWE & ARE OWED Never forget an IOU again. • Track money you lent and borrowed • Organize by person with custom icons • See total balances at a glance BEAUTIFUL REPORTS & INSIGHTS Understand your spending with clear, visual reports. • Monthly expense breakdown with pie charts • Daily spending calendar heatmap • Category-wise analysis • Filter by month and year DESIGNED FOR YOU • Dark mode & light mode • Multiple currency support • Export & import your data • Fast, lightweight, battery-friendly PRIVACY BY DESIGN Zero is built on a simple principle: your money, your business. All data is stored locally on your device. No servers, no cloud, no sync, no analytics, no third-party SDKs. Your financial data never touches the internet. Download zero and take control of your finances, privately.

Screenshots

Monee4 screens
zero4 screens

Verdict

The call

The clearest difference is rating: Monee at 4.9 against zero's 3.3. Monee also leads on review sentiment (98% vs 67%) and ratings volume (318 vs 3). zero's advantage is in-app purchases (none vs 13). On price, ads, device support and iOS requirement 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. Monee sells 12 in-app purchases, starting at $1.29 per 7 days. zero asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Monee holds the better App Store score, 4.9 against 3.3. That said, the two scores are not equally well evidenced: Monee has 318 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 98% of Monee's written reviews are positive against 67% of zero's.

UpkeepUpdate frequency

Monee ships an update weekly, zero every 2 weeks. The most recent releases landed on September 23, 2026 and September 13, 2026 respectively.

Scorecard6 real differences · 4 level
Monee versus zero: the parameters behind the verdict, then further details
ParameterMoneezero
PriceFreeFree
Rating4.9 (318 ratings) — better3.3 (3 ratings)
Positive reviews98.4% of reviews — better66.7% of reviews
Number of ratings318 — better3
Update frequencyWeekly — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.415.1 — better
Further details — not scored
Size44 MB31 MB
Age rating4+4+
DeveloperStephan LernerLossless Protocols

Customer experience

Monee

All ratings318 ratings
Positive99.1%
Neutral0.3%
Negative0.6%
Written reviews375 reviews
Positive98.4%
Neutral1.1%
Negative0.5%

zero

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews3 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

12 purchases

Monee

Subscriptions6
  • Support$1.297 Days
  • Support$2.291 Month
  • Monthly7 Days trial$3.991 Month
Show 3 more
  • Support$13.491 Year
  • Half-Yearly7 Days trial$17.996 Months
  • Yearly7 Days trial$22.991 Year
One-time6
  • Support$6.89
  • Support$7.29
  • Support2 variants$10.49
Show 3 more
  • Support$13.49
  • Support$14.49
  • One-Time Payment$44.99
None

zero

No in-app purchases

Questions

Is Monee free?
Monee is free to download, with in-app purchases available.
Is zero free?
zero is free to download, with no in-app purchases.
Which has better reviews, Monee or zero?
Monee is rated higher. Monee averages 4.9 out of 5 from 318 ratings, while zero averages 3.3 from 3 ratings.
Do Monee or zero have ads?
Neither Monee nor zero shows ads.
Which is updated more often, Monee or zero?
Monee ships an update weekly, and zero every 2 weeks. Most recently, Monee was updated on September 23, 2026 and zero on September 13, 2026.

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