Comparison

HomeBudget with Sync vs Setlo

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

Head to head
About

HomeBudget with Sync

Track expenses, income, bills, and account balances with integrated budgeting and analysis tools. Features family sync for household collaboration and cross-platform availability.

Highlights
  • Expense and income tracking
  • Bill management with reminders
  • Account balance tracking
  • Budgeting and category analysis
  • Family sync for multiple devices
  • Receipt photo attachment
  • Multi-currency support
Features
Currently charting
Read full description

Now available in mobile [iPhone/iPad] and desktop versions [Mac OS, Windows], including instant data sync between mobile/desktop versions. (Separate purchase required for each OS platform). A lite version of HomeBudget is available under the free applications category. Give it a try. Contact support@anishu.com, if you need help. We have no way of contacting you if you post an issue as a review. -- HomeBudget is an integrated expense tracker designed to help you track your expenses, income, bills-due and account balances. It offers support for budgeting, and allows analysis of your expenses and income, including charts and graphs. Two key differentiating features of HomeBudget are: 1. Integrated set of features. The features within HomeBudget are well integrated such that a bill can become an expense (when you pay for it) and also adjust the account balance at the same time. 2. Family sync. HomeBudget includes Family Sync, an advanced feature that allows a group of devices within the household to exchange expense and income information, and work together within a single budget. Once setup, the devices sync with each other automatically over the air. Family Sync works across all features including Bills and Accounts. Please refer to the Family Sync Quick Start guide at http://www.anishu.com for information on configuring Family Sync. KEY FEATURES: Expenses: - Create/Edit/Delete expenses and recurring expenses - Browse expense entries by month, by category/date with the ability to drill-down - Optionally associate an account and payee with an expense - Attach photo images of receipts; drag and resize images on screen - Support for multiple currencies and automatic exchange rate conversion - Search expense entries Income: - Create/Edit/Delete income and recurring income - Optionally associate an account with the income Bills - Create/Edit/Delete bills and recurring bills - Support for Payees, and track payments by Payee. - Make payment on bills either an as expense or as a transfer (to avoid double accounting your expenses) - Calendar and list view of Bills - Bill reminders Categories and Budget - Create/Edit/Delete expense categories and sub-categories - Set a budget, and track expenses at the category/sub-category level. - Associate icons with the categories and reorder category display order - Budget rollover - Classify expenses into fixed, variable and discretionary and compute your disposable income Accounts - Support for Accounts such as Checking, Savings, Credit, Debit, Cash, etc. - Associate your expense and income entries with your accounts and accurately track account balances. - View transactions, and do transfer between accounts. - Ability to choose a different base currency for each account Reports - Trend chart for Expense, Budget and Income for the last 6 months - Pie/Bar charts for expense break-down (Available in the Expenses screen). - Export data/reports by email or via WiFi Family Sync - Automatically sync multiple devices (iPhone, iPad, iTouch) in the household and see the same numbers on all devices over 3G and WiFi - Work within the same budget with other members of the household Other - Backup/Restore complete application data, including all receipts - Ability to upload your own list of category icons - Large numeric keypad for expense/income amount entry - HomeBudget follows the locale/region setting on your device and shows date and currency symbols appropriate for your region Visit http://www.anishu.com to see more screenshots, and to download the user guide (PDF, 42 pages).

About

Setlo

Features
Read full description

Setlo – India's Circular Debt Settlement Platform Setlo helps individuals track and settle informal debts with friends, family, roommates, colleagues, and trusted circles. Unlike traditional payment apps, Setlo focuses on managing obligations and identifying circular debt loops that can be resolved without requiring money transfers. Every obligation is consent-driven, transparent, and privacy-first.

Screenshots

HomeBudget with Sync4 screens
Setlo4 screens

Verdict

The call

The clearest difference is price: Setlo at Free against HomeBudget with Sync's $4.99. Setlo also leads on iOS requirement (13.0 vs 15.6). HomeBudget with Sync's advantage is chart position (#53 vs unranked) and device support (4 vs 2). On update cadence, 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

Setlo is free to download; HomeBudget with Sync costs $4.99 up front. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

HomeBudget with Sync ships an update fortnightly, Setlo weekly. The most recent releases landed on October 20, 2026 and October 9, 2026 respectively.

Scorecard4 real differences · 7 level
HomeBudget with Sync versus Setlo: the parameters behind the verdict, then further details
ParameterHomeBudget with SyncSetlo
Price$4.99Free — better
Rating4.6 (1.3K ratings) — better—
Positive reviews77.2% of reviews—
Number of ratings1.3K — better—
Update frequencyFortnightlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationPaid—
Best chart rank#53 — better—
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPod
Requires iOS15.613.0 — better
Further details — not scored
Size19 MB59 MB
Age rating4+4+
DeveloperAnishu, Inc.Setlo Technologies private limited

Bugs and requests

HomeBudget with Sync

Reported bugs

3 issues
  • Balance calculation errors
  • Recurring transactions not working as expected
  • Crashes after iOS updates

Requested features

5 requests
  • Ability to move expenses between categories
  • Automatic currency conversion
  • Customizable dashboards and reports
  • Integration with banking/financial accounts
  • Dark mode support

Setlo

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

HomeBudget with Sync

No in-app purchases

None

Setlo

No in-app purchases

Questions

Is HomeBudget with Sync free?
HomeBudget with Sync costs $4.99, with no in-app purchases.
Is Setlo free?
Setlo is free to download, with no in-app purchases.
Do HomeBudget with Sync or Setlo have ads?
Neither HomeBudget with Sync nor Setlo shows ads.
Which is updated more often, HomeBudget with Sync or Setlo?
HomeBudget with Sync ships an update fortnightly, and Setlo weekly. Most recently, HomeBudget with Sync was updated on October 20, 2026 and Setlo on October 9, 2026.

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