Tracky vs Heo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Tracky
Easily manage your finances by tracking expenses and creating custom budgets. Allocate funds into categories like groceries or hobbies, and monitor your remaining balance with automatic calculations. Securely manage your money without linking bank accounts.
- Create and manage budgets
- Track expenses with custom categories
- Automatic remaining budget calculation
- Notifications for budget progress
- Expense history and analysis
- Recurring budget options
- iCloud sync across devices
- Home and lock screen widgets
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Tracky: Simple Budget Tracker is the simplest and fastest app to manage your budgets, track your expenses, and save money on the go. Take control of your budget by allocating your expenses into different envelopes such as groceries, salary, fuel, hobbies, shopping, vacations, and more. Whether it's recurring expenses or special events, Tracky lets you track your monthly or one-time budgets. Track your expenses and make the most of your savings with Tracky’s automatic calculation of your remaining budget. This fast and easy budget tracking tool is suitable for everyone, regardless of their expertise in budget management. Rest assured, Tracky doesn't require any connection to your bank account, ensuring your data and privacy remain secure. Why should you use Tracky: Simple Budget Tracker? - Quick and easy - Free - Allocate your budget - Track your expenses - Enjoy your savings - No sign-up or login required - No bank account needed - Private & secure: we don't collect your data, it's safe for you - Automatic iCloud sync to share data across multiple devices logged in to the same iCloud account === TRACKY: SIMPLE BUDGET TRACKER FEATURES === - Create and manage your budgets - Add and customize your operations: name, amount, date, icon, color - Automatic calculation of your remaining budget - Stay informed about your budget's progress with notifications - Keep a history of your expenses - Save time by reusing recurring budgets - Easily share your data across multiple devices logged in to the same iCloud account - Widgets: instantly monitor your budget from your lock screen and home screen How to use Tracky: Simple Budget Tracker: 1. Create a budget and give it a name (e.g., "July") 2. Define and customize your envelopes (e.g., "Groceries," "Fuel," "Hobbies") 3. Add your expenses to the envelopes 4. Enter the expense name and amount 5. Personalize the expense by selecting an icon and color 6. Continue adding your expenses as you go, and Tracky will calculate the remaining budget As you can see, Tracky: Simple Budget Tracker is incredibly simple and fast to use. It's the perfect solution for tracking your expenses and budgets without wasting time on understanding the app or linking your bank account, which could compromise your data. Managing your expenses has never been easier, faster, and more efficient. Easily set and monitor your monthly or one-time budgets. Modify them anytime to adapt to your financial situation. Track your expenses accurately and identify areas where you can save. Dive into the detailed expense history for a deeper analysis of your spending habits. Identify trends, strengths, and areas for improvement to optimize your budget. Tracky is the easiest and most convenient app to track your budgets, so what are you waiting for? Download Tracky: Simple Budget Tracker now! *** Our app is FREE to use. However, you can become premium with in-app purchases. You'll have unlimited budgets, envelopes, and expenses, and no ads will be displayed to ensure optimal user experience. All prices are in euros (EUR). Prices in other currencies and countries may vary depending on the country of residence. Thank you for using Tracky: Simple Budget Tracker. Support us by sharing the app with your loved ones and giving us a 5-star rating on the App Store. Your support will enable us to continue improving the app and provide you with an even better financial management experience. Privacy Policy: https://lowly.notion.site/Privacy-Policy-364375656a694f7f9ec206cc001c899c?pvs=4 Terms & Conditions: https://lowly.notion.site/Terms-Conditions-0debe53270c3403fad1926e3ea0abcbd?pvs=4
Heo
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All Your Money. Finally, One Number. Heo is a multi-currency expense tracker for people who spend across borders, apps, and wallets. Log a coffee in seconds, watch every account roll up into your home currency, and finally know exactly where your money goes. WHY YOU’LL LOVE HEO LOG EXPENSES IN ONE TAP Add an expense with a single tap. Heo learns your habits and suggests the right category based on the amount and time of day, so most entries are finished before you even think about them. EVERY CURRENCY, ONE TOTAL Track cash, bank accounts, cards, and e-wallets in any currency. Heo automatically converts everything into your preferred home currency, giving you one clear view of your finances. No spreadsheets. No mental math. SUBSCRIPTIONS MADE SIMPLE Adding recurring bills takes seconds. Heo suggests popular subscriptions in your country and pre-fills a typical price, which you can adjust to match your actual plan. HANDS-FREE EXPENSE LOGGING (PRO) Capture expenses your way: * Type naturally, like “coffee 65k” * Speak it out loud * Scan a receipt Heo automatically extracts the amount, merchant, and category for you. BUDGETS THAT WARN YOU EARLY Set spending limits for any category and receive a gentle heads-up before you exceed your budget, not after. INSIGHTS YOU’LL ACTUALLY READ Simple charts help you understand: * Where your money goes * How much you earn * How your spending changes over time HOME SCREEN WIDGETS Log expenses directly from your home screen and keep your balances just a glance away. PRIVATE BY DEFAULT Your financial data stays yours. * Face ID and PIN protection * Start without creating an account * Connect an account later for backup and sync SPEAKS YOUR LANGUAGE Available in: English Tiếng Việt 简体中文 日本語 한국어 ไทย Bahasa Indonesia Money Is Stressful Enough. Heo makes expense tracking quick, clear, and genuinely pleasant to use. Spend less time tracking money. Spend more time enjoying it.
Screenshots
Verdict
The clearest difference is in-app purchases: Heo at none against Tracky's 21. Heo also leads on ads (none vs shown) and update cadence (daily vs every 2 weeks). On price, 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
Both are free to download. Tracky sells 15 in-app purchases, starting at $1.99 per month. Heo asks for nothing beyond the download.
Tracky ships an update every 2 weeks, Heo daily. The most recent releases landed on October 27, 2026 and October 19, 2026 respectively.
| Parameter | Tracky | Heo |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (124 ratings) — better | — |
| Positive reviews | 84.8% of reviews | — |
| Number of ratings | 124 — better | — |
| Update frequency | Every 2 weeks | Daily — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone | iPhone |
| Requires iOS | 18.0 | 17.0 — better |
| Further details — not scored | ||
| Size | 87 MB | 18 MB |
| Age rating | 4+ | 4+ |
| Developer | Adrien Carvalot | Khoa Tran |
Bugs and requests
Tracky
Reported bugs
8 issues- App opens to wrong month despite correct title display
- Requires multiple swipes to navigate to current month
- Entries disappear when switching networks
- App doesn't always open to the correct page
- Premium mode requires frequent reactivation
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- Inability to create new expenses without premium after 5 entries
- Ads require multiple views before input saves on poor connections
- Transactions load incorrectly until envelope is clicked and exited
Requested features
17 requests- Monthly visual reset for progress bars while maintaining history
- Mac/desktop application version
- Ability to reset envelopes monthly without creating new budgets
- Budget sharing feature for couples and shared accounts
- Planned/future expense tracking with adjusted balance view
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- Transfer functionality between envelopes
- Direct income allocation without envelope requirement
- More transaction icons (currently limited to ~20-30)
- Additional color options
- Due date functionality for envelopes
- Quick-add expense widget
- View all transactions under a budget organized by date
- Ability to delete all expenses in an envelope at once
- Custom initial budget amount display instead of net balance
- Bank transaction reconciliation/check-off system
- Toggle between spent and remaining amount display
- Archive functionality for monthly expenses
Heo
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Tracky
- Premium3 Days trial3 variants$1.991 Month
- Premium7 Days trial$2.991 Month
- Premium$2.991 Month
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- Premium2 variants$4.991 Month
- Premium7 Days trial$14.991 Year
- Premium7 Days trial2 variants$19.991 Year
- Premium7 Days trial2 variants$29.991 Year
- Premium$1.99
- Premium$2.99
- Premium$4.99
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- Premium$8.99
- Premium$17.99
- Premium$29.99
- Premium$39.99
- Premium2 variants$49.99
Heo
No in-app purchases









