# Tracky vs Zerosum

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.

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.

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.

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

## The numbers

| Metric | Tracky | Zerosum |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (124 ratings)](https://appshunter.io/ios/app/tracky-simple-budget-planner/id1663043762/reviews) | **[4.9 (38 ratings)](https://appshunter.io/ios/app/zerosum-zero-based-budgeting/id6784319439/reviews)** |
| Number of ratings | **124** | 38 |
| Positive reviews | 84.8% of reviews | **91.7% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Every 2 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 87 MB | 12 MB |
| Requires iOS | 18.0 | **16.4** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Adrien Carvalot](https://appshunter.io/developer/1498484091) | [Pedro Fidalgo](https://appshunter.io/developer/6784319441) |

## What reviewers say

### Tracky

[App page](https://appshunter.io/ios/app/tracky-simple-budget-planner/id1663043762)

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:** macOS Compatibility, Family Sharing, Siri integration, Vision Pro support

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $1.99 | per month |
| Premium | $4.99 | per month |
| Premium | $19.99 | per year |
| Premium | $29.99 | per year |
| Premium | $4.99 | one-time |
| Premium | $49.99 | one-time |

**What reviewers like**

- 👍 Simple and intuitive user interface
- 🎨 Clean, modern, and visually appealing design
- 💰 Affordable pricing with lifetime premium option
- 📱 Excellent widget and home screen integration
- 🎯 Effective envelope budgeting system

**What reviewers complain about**

- 🐛 Navigation bug: app loads wrong month's envelopes
- 💾 Data loss when switching devices without backup
- 🔄 Sync issues causing entries to disappear on network changes
- 📱 Not available for Mac/desktop
- 💳 Paywall appears frequently in free version

**Reported bugs**

- 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

**Requested features**

- 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


### Zerosum

[App page](https://appshunter.io/ios/app/zerosum-zero-based-budgeting/id6784319439)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zerosum Basic (Monthly) | $6.99 | per month |
| Zerosum Plus (Monthly) | $6.99 | per month |
| Zerosum Pro (Monthly) | $12.99 | per month |
| Zerosum Basic (Annual) | $49.99 | per year |
| Zerosum Plus | $49.99 | per year |
| Zerosum Pro (Annual) | $89.99 | per year |


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