Comparison

Tracky vs Zerosum

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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

About

Zerosum

Plan your finances with a zero-based budgeting approach. Track every dollar, set savings goals, and gain insights with detailed analytics. Supports bank syncing or manual entry, and allows family sharing.

Highlights
  • Zero-based budgeting
  • Savings goal setting
  • Detailed analytics and forecasts
  • Recurring transaction scheduling
  • Bank sync or manual entry
  • Family budget sharing
Features
Read full description

Zerosum is zero-based budgeting that actually makes sense. Plan every dollar before you spend it, hit your savings goals, and always know exactly where your money is going. PLAN EVERY DOLLAR Start each month by planning where every dollar goes, so your spending matches your priorities before the money is gone. SAVINGS GOALS THAT FIT REAL LIFE Save on a schedule, refill monthly categories, save by a date, or track open-ended balances. Simple goals for how people actually budget. ANALYTICS AND FORECASTS Net worth, spending by category, cash flow, income trends, and financial forecasts. Twelve reports that help you make better decisions. RECURRING TRANSACTIONS Set bills, subscriptions, and paychecks once with flexible scheduling: daily, weekly, monthly, yearly, or any custom interval. Never enter the same transaction twice. BANK SYNC OR FULLY MANUAL Connect your accounts for automatic imports, or go fully manual. Your workflow, your choice. SHARE WITH FAMILY Share a budget with your partner or family so everyone stays on the same page. Your money, organized. Start with a free 1 month trial. SUBSCRIPTIONS Zerosum offers Basic, Plus and Pro plans, each available monthly or annually. Prices are shown in the app before purchase. Payment is charged to your Apple Account at confirmation of purchase, and your subscription renews automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Terms of Use: https://zerosum.so/terms Privacy Policy: https://zerosum.so/privacy

Screenshots

Tracky4 screens
Zerosum4 screens

Verdict

The call

The clearest difference is ads: Zerosum at none against Tracky's shown. Zerosum also leads on update cadence (every 2 days vs every 2 weeks) and rating (4.9 vs 4.6). Tracky's advantage is ratings volume (124 vs 38). On price, review sentiment, in-app purchases and monetization model 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. Tracky sells 6 in-app purchases, starting at $1.99 per month and Zerosum sells 6 in-app purchases, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Zerosum holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 124 and 38 respectively. Written reviews point the same way: 85% of Tracky's written reviews are positive against 92% of Zerosum's.

UpkeepUpdate frequency

Tracky ships an update every 2 weeks, Zerosum every 2 days. Both last shipped on November 12, 2026.

Scorecard5 real differences · 5 level
Tracky versus Zerosum: the parameters behind the verdict, then further details
ParameterTrackyZerosum
PriceFreeFree
Rating4.6 (124 ratings)4.9 (38 ratings) — better
Positive reviews84.8% of reviews91.7% of reviews — better
Number of ratings124 — better38
Update frequencyEvery 2 weeksEvery 2 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhoneiPhone, iPad — better
Requires iOS18.016.4 — better
Further details — not scored
Size87 MB12 MB
Age rating4+4+
DeveloperAdrien CarvalotPedro Fidalgo

Customer experience

Tracky

All ratings124 ratings
Positive89.5%
Neutral2.4%
Negative8.1%
Written reviews79 reviews
Positive84.8%
Neutral6.3%
Negative8.9%

Zerosum

All ratings38 ratings
Positive97.4%
Neutral2.6%
Negative0.0%
Written reviews24 reviews
Positive91.7%
Neutral4.2%
Negative4.2%

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
Show 3 more
  • 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
Show 12 more
  • 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

Zerosum

Not enough reviews yet to summarise bugs or requests.

In-app purchases

6 purchases

Tracky

Subscriptions4
  • Premium3 Days trial3 variants$1.991 Month
  • Premium$4.991 Month
  • Premium7 Days trial$19.991 Year
Show 1 more
  • Premium7 Days trial2 variants$29.991 Year
One-time2
  • Premium$4.99
  • Premium2 variants$49.99
6 purchases

Zerosum

Subscriptions6
  • Zerosum Basic (Monthly)1 Month trial$6.991 Month
  • Zerosum Plus (Monthly)1 Month trial$6.991 Month
  • Zerosum Pro (Monthly)1 Month trial$12.991 Month
Show 3 more
  • Zerosum Basic (Annual)1 Month trial$49.991 Year
  • Zerosum Plus1 Month trial$49.991 Year
  • Zerosum Pro (Annual)1 Month trial$89.991 Year

Questions

Is Tracky free?
Tracky is free to download, with in-app purchases available.
Is Zerosum free?
Zerosum is free to download, with in-app purchases available.
Which has better reviews, Tracky or Zerosum?
Zerosum is rated higher. Tracky averages 4.6 out of 5 from 124 ratings, while Zerosum averages 4.9 from 38 ratings.
Do Tracky or Zerosum have ads?
Tracky shows ads; Zerosum does not.
Which is updated more often, Tracky or Zerosum?
Tracky ships an update every 2 weeks, and Zerosum every 2 days. Most recently, Tracky was updated on November 12, 2026 and Zerosum on November 12, 2026.

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