Comparison

Fineyo vs Expense Tracker Offline

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

Head to head
About

Fineyo

Effortlessly manage your finances with a powerful yet simple expense tracker. Log spending, create budgets, and gain clear insights into your financial habits. Designed for clarity and ease of use, it helps you build better financial habits.

Highlights
  • Expense & Income Tracker
  • Budget Planner
  • Spending Insights & Charts
  • Custom Categories
  • iCloud Sync
  • Offline Mode
Features
Read full description

A simple, private expense tracker. Log spending in seconds, set budgets that keep you on track, and see exactly where your money goes. No bank login needed. SHARED SPACES, WHEN YOU NEED THEM Managing money with a partner, family or roommates? Create a shared space and invite them with a link. Everyone adds expenses from their own iPhone, sees the same budgets and knows who added what. Your Personal space stays separate. ADD EXPENSES IN SECONDS Type an amount, pick a category, done. Or say it: "Coffee 4.50 today" and Fineyo fills in the details. A ready-made Shortcut can log your Apple Pay purchases automatically. SEE WHERE YOUR MONEY GOES One clean dashboard for all your accounts: bank, cards and cash. Charts show monthly trends and your biggest categories, so you can spot overspending before it adds up. BUDGETS THAT GUIDE YOU Set limits per category and get a gentle heads-up when you get close. No guilt, no pressure. Just enough to stay on track. ALL FEATURES - Expense and income tracking - Voice input - Category budgets with alerts - Spending charts and monthly insights - Multiple accounts: bank, cards, cash - Shared spaces with family or roommates - Multi-currency support - Custom categories with emoji - Apple Pay logging with Shortcuts - Search and filters - CSV export - iCloud sync across your devices - Works offline - Dark mode, themes and custom app icons PRIVATE BY DESIGN No bank login needed. Your data lives on your devices and in your own iCloud, not on our servers. FINEYO PRO Fineyo is free to start. Pro unlocks unlimited categories, budgets and accounts, iCloud sync, shared spaces, CSV export, Apple Pay logging, themes and app icons. Pro works with Family Sharing, so one subscription covers your family. Whether you're saving for a trip, building an emergency fund or just trying to stop overspending, Fineyo helps you build better money habits. Terms of Use https://fineyo.app/terms-of-use Privacy Policy https://fineyo.app/privacy-policy

About

Expense Tracker Offline

This privacy-focused expense tracker operates entirely offline, keeping your financial data secure on your device. It uses on-device AI for receipt scanning and offers smart budgeting tools with clear visualizations. Log expenses hands-free with Siri shortcuts and monitor spending with home screen widgets.

Highlights
  • 100% Offline operation
  • AI-powered on-device receipt scanner
  • Complete data privacy
  • Smart budget tracking with visualizations
  • Siri Shortcuts integration
  • Home & Lock Screen Widgets
  • Multi-currency support
Features
Read full description

The Only 100% Offline AI Expense Tracker. Your Data Never Leaves Your iPhone. Flux is the privacy-first expense tracker and budget manager that works completely without internet. No accounts. No cloud sync. No tracking. Just intelligent financial control — entirely on your device. Unlike apps that upload your spending data to remote servers, Flux keeps everything local using Apple's SwiftData. Every transaction, every budget, every AI conversation stays on your iPhone. Always. WHY FLUX? • 100% Offline — Zero internet required, ever • On-Device AI — Powerful features without cloud dependency • Face ID Lock — Auto-blurs sensitive numbers when you switch apps • Lightning Fast — No waiting for servers • Lifetime Unlock — Own it once, forever AI RECEIPT SCANNER Point your camera at any receipt. Flux's on-device OCR instantly reads the amount, date, and merchant — even in local decimal formats (comma or period). No upload. No wait. Works globally. AI FINANCE ASSISTANT & MEMORY Ask natural questions: "Am I over budget this month?" or "What's my biggest spending category?" Get instant answers. Every AI conversation is saved in the Archive — revisit your past insights anytime. (Premium) SMART BUDGET TRACKING Set spending limits with clean progress rings. Budget cards show real-time percentage breakdowns. Edit limits on the fly directly from the list. RECURRING TRANSACTIONS Automate weekly, bi-weekly, monthly, or yearly bills. Flux processes pending transactions every time you open the app — nothing missed, nothing forgotten. SPENDING FORECASTS Flux analyzes your transaction history to predict future expenses. Stay ahead of overspending before it happens. CALENDAR HEATMAP GitHub-style contribution graph for your income and expenses. Spot expensive weeks, identify patterns, and build better financial habits at a glance. MULTI-CURRENCY WALLET Track 40+ currencies — USD, EUR, GBP, TRY, JPY, AED, and more. Switch your base currency instantly. Built for digital nomads and international travelers. SEAMLESS IOS INTEGRATION • Home & Lock Screen Widgets — Daily totals and budget progress at a glance • Siri Shortcuts — "Hey Siri, add $50 to groceries" • Face ID / Touch ID — Full app lock with auto-privacy blur FLUX PREMIUM • Unlimited categories, budgets & AI receipt scans • AI Finance Assistant + full Chat Archive • Spending forecasts & advanced analytics • CSV import/export & Eco-Print PDF reports • Custom category icons Start free for 7 days. Then $2.99/month or $24.99/year. Or unlock everything forever with the one-time Lifetime purchase. Your financial life. On your device. Private by default. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Fineyo4 screens
Expense Tracker Offline4 screens

Verdict

The call

The clearest difference is update cadence: Fineyo at every 4 days against Expense Tracker Offline's fortnightly. Fineyo also leads on ratings volume (11 vs 2) and iOS requirement (16.4 vs 18.6). Expense Tracker Offline's advantage is review sentiment (100% vs 82%). On price, rating, ads and in-app purchases 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. Fineyo sells 3 in-app purchases, starting at $3.99 per month and Expense Tracker Offline sells 3 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Fineyo against 5.0 for Expense Tracker Offline. That said, the two scores are not equally well evidenced: Fineyo has 11 ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 82% of Fineyo's written reviews are positive against 100% of Expense Tracker Offline's.

UpkeepUpdate frequency

Fineyo ships an update every 4 days, Expense Tracker Offline fortnightly. The most recent releases landed on October 10, 2026 and October 3, 2026 respectively.

Scorecard4 real differences · 6 level
Fineyo versus Expense Tracker Offline: the parameters behind the verdict, then further details
ParameterFineyoExpense Tracker Offline
PriceFreeFree
Rating5.0 (11 ratings)5.0 (2 ratings)
Positive reviews81.8% of reviews100.0% of reviews — better
Number of ratings11 — better2
Update frequencyEvery 4 days — betterFortnightly
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhoneiPhone
Requires iOS16.4 — better18.6
Further details — not scored
Size105 MB18 MB
Age rating4++4
DeveloperDeniss DubininsAli Ihsan Gunes

Customer experience

Fineyo

All ratings11 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews11 reviews
Positive81.8%
Neutral0.0%
Negative18.2%

Expense Tracker Offline

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

Fineyo

Subscriptions2
  • Monthly Premium3 Days trial$3.991 Month
  • Annual Premium7 Days trial$24.991 Year
One-time1
  • Lifetime$34.99
3 purchases

Expense Tracker Offline

Subscriptions2
  • Monthly Plan3 Days trial$2.991 Month
  • Yearly Plan7 Days trial$24.991 Year
One-time1
  • Flux Premium Lifetime$44.99

Questions

Is Fineyo free?
Fineyo is free to download, with in-app purchases available.
Is Expense Tracker Offline free?
Expense Tracker Offline is free to download, with in-app purchases available.
Which has better reviews, Fineyo or Expense Tracker Offline?
Fineyo and Expense Tracker Offline are both rated 5.0 out of 5 on the App Store, from 11 and 2 ratings respectively.
Do Fineyo or Expense Tracker Offline have ads?
Neither Fineyo nor Expense Tracker Offline shows ads.
Which is updated more often, Fineyo or Expense Tracker Offline?
Fineyo ships an update every 4 days, and Expense Tracker Offline fortnightly. Most recently, Fineyo was updated on October 10, 2026 and Expense Tracker Offline on October 3, 2026.

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