Comparison

MT vs NerdWallet

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

Head to head
About

MT

Easily track all your income and expenses to gain full financial visibility. This app helps you optimize spending, set budgets, and achieve your financial goals with detailed analysis and secure data protection.

Highlights
  • Bill snapshot entry with calculator
  • Intelligent import from Alipay/WeChat
  • Detailed income/expense analysis charts
  • Real-time budget tracking
  • Face ID/password data protection
  • Automatic iCloud cloud sync
  • Customizable income/expense categories
Features
Read full description

Take control of your income and spending and keep your personal finances organised. MTracker is a simple money management app designed to help you record transactions, manage budgets and understand where your money goes. Its clear and practical interface makes managing your everyday finances easier. KEY FEATURES • Quick income and expense tracking Add each transaction with an amount, category, date and note. • Personalised budgets Set an overall budget or individual limits for each category and see how much you have left to spend. • Charts and statistics Understand your income and spending with clear charts and summaries across different periods. • Recurring transactions Schedule regular income and expenses such as rent, subscriptions, household bills and salary. • Search and filters Quickly find previous transactions by keyword, category, date or other criteria. • Data import Import transactions from compatible files and manage your financial records in one place. • Export and backup Export your data in compatible formats for safekeeping, analysis or transfer. • iCloud synchronisation Keep your data in sync across your Apple devices using your personal iCloud account. • Privacy and data control Your financial records are stored on your device and, when synchronisation is enabled, in your private iCloud storage. You remain in control of your information. MTRACKER IS IDEAL FOR: • tracking everyday spending; • controlling your monthly budget; • organising household finances; • managing personal income and expenses; • understanding your spending habits; • saving towards your financial goals. Start recording your transactions today and make better decisions about your money. Privacy Policy: https://f.n-years.com/docs/mtracker/privacy_statement/ Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

NerdWallet

This app helps you manage your finances by tracking spending, monitoring bills, and providing insights into your credit score and cash flow. It also offers opportunities to earn interest on cash, invest in Treasury Bills, and automate investments.

Highlights
  • Track cash, investments, credit cards, loans, and property
  • Monitor and cancel recurring bills and subscriptions
  • Actionable financial insights on credit score and cash flow
  • Earn APY on cash accounts
  • Invest in U.S. Treasury Bills
  • Automated investing with direct indexing
  • Learn about financial news and its impact
Features
Read full description

The free NerdWallet app is your money’s smartest friend – with easy budgeting tools, 24/7 credit monitoring, and personalized opportunities to save. BUDGET LIKE A PRO Get an easy-to-follow budget that automatically organizes your spending across needs, wants, and savings – so you always know what your money's up to. STAY ON TOP OF YOUR CREDIT We'll let you know about important changes, explain what's affecting your score, and help you understand what it all means – so you can build healthier credit habits. SEE THE BIGGER PICTURE Bring your accounts together to understand your spending, review your transactions, and know exactly where your cash goes each month. FIND WAYS TO SAVE From forgotten subscriptions to banking and savings options, we’ll help you uncover opportunities to put more money back in your pocket.  MAKE SMARTER MONEY MOVES Whether you're looking for a new credit card, bank account, or loan, compare trusted ratings and reviews to find an option that fits your goals. EARN MORE ON YOUR CASH When you open a Cash Account offered by Atomic Brokerage and deposit funds within 14 days, you can earn a boosted 3.90% APY on balances up to $250,000 for the first 6 months. Disclosures: NerdWallet privacy policy: https://www.nerdwallet.com/p/privacy-policy NerdWallet terms: https://www.nerdwallet.com/p/terms-of-use An introductory 0.65% Annual Percentage Yield (APY) boost is available on up to $250,000 in deposits for the first 6 months when you open a Cash Account offered by Atomic Brokerage LLC and deposit funds. Balances above $250,000 will earn the standard 3.25% APY. After the 6 month introductory period, all balances earn the standard 3.25% APY. The introductory APY boost of 0.65% is available through NerdWallet’s promotional program. APYs are accurate as of 05/26/2026 and are subject to change without notice. Paid Non-Client Promotion for the Cash Account: NerdWallet has engaged Atomic Brokerage LLC ("Atomic"), a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account (“Cash Account”) in which cash is swept into unaffiliated bank deposit accounts opened for you by, and in the name of Atomic Brokerage as agent and custodian. NerdWallet is a promoter of Atomic. Atomic shares fees from the cash sweep program banks with NerdWallet for each referred client who opens a Cash account, which creates a conflict of interest. Atomic and NerdWallet are not under common ownership and are not related entities. You will not be charged any fee or incur any additional costs for being referred to Atomic by the Promoter. For more details about Atomic Brokerage, please go to https://www.atomicvest.com/atomicbrokerage. You can check the background of Atomic Brokerage on FINRA’s BrokerCheck at https://brokercheck.finra.org/. See important Cash Account disclosures at https://www.atomicvest.com/legal/disclosures/7d9c31dd-bf97-46ae-9803-1774b97187af. You should not expect cash deposited in an Atomic Brokerage account used solely for the purpose of accessing the Cash Sweep to be protected by SIPC or FDIC insurance, and cash is only protected by FDIC insurance (subject to coverage limits and eligibility requirements) once deposited by Atomic Brokerage in the unaffiliated bank deposit accounts. If you prefer your cash to be invested in a Money Market Fund eligible for SIPC coverage, you must send an email to support-brokerage@atomicvest.com to discuss your options.

Screenshots

MT4 screens
NerdWallet4 screens

Verdict

The call

MT and NerdWallet both sit at 4.8 stars, but that hides the real split: 97% of MT's written reviews are positive against 34% of NerdWallet's. MT also leads on update cadence (weekly vs fortnightly). NerdWallet's advantage is in-app purchases (none vs 3) and ratings volume (125K vs 130). On price, rating, ads 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. MT sells 3 in-app purchases, starting at $0.99 per month. NerdWallet asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for MT against 4.8 for NerdWallet. That said, the two scores are not equally well evidenced: NerdWallet has 125K ratings behind it against 130, so its average is the more settled of the two. Written reviews are what separate them: 97% of MT's written reviews are positive against 34% of NerdWallet's.

UpkeepUpdate frequency

MT ships an update weekly, NerdWallet fortnightly. The most recent releases landed on September 23, 2026 and September 26, 2026 respectively.

Scorecard4 real differences · 6 level
MT versus NerdWallet: the parameters behind the verdict, then further details
ParameterMTNerdWallet
PriceFreeFree
Rating4.8 (130 ratings)4.8 (125K ratings)
Positive reviews96.8% of reviews — better34.0% of reviews
Number of ratings130125K — better
Update frequencyWeekly — betterFortnightly
AdsYesYes
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.6
Further details — not scored
Size56 MB98 MB
Age rating4+4+
Developer金 郭NerdWallet

Customer experience

MT

All ratings130 ratings
Positive95.4%
Neutral1.5%
Negative3.1%
Written reviews31 reviews
Positive96.8%
Neutral0.0%
Negative3.2%

NerdWallet

All ratings125,006 ratings
Positive96.8%
Neutral1.8%
Negative1.4%
Written reviews397 reviews
Positive34.0%
Neutral11.8%
Negative54.2%

Bugs and requests

MT

Not enough reviews yet to summarise bugs or requests.

NerdWallet

Reported bugs

3 issues
  • Accounts randomly unlinking
  • Incorrect credit score reporting
  • Delayed transaction updates

Requested features

4 requests
  • Custom spending categories
  • Manual transaction entry
  • Detailed budgeting tools
  • Improved account synchronization

In-app purchases

3 purchases

MT

Subscriptions2
  • Monthly Premium$0.991 Month
  • Annual Membership$5.991 Year
One-time1
  • Lifetime Membership$19.99
None

NerdWallet

No in-app purchases

Questions

Is MT free?
MT is free to download, with in-app purchases available.
Is NerdWallet free?
NerdWallet is free to download, with no in-app purchases.
Which has better reviews, MT or NerdWallet?
MT and NerdWallet are both rated 4.8 out of 5 on the App Store, from 130 and 125K ratings respectively.
Do MT or NerdWallet have ads?
Both MT and NerdWallet show ads.
Which is updated more often, MT or NerdWallet?
MT ships an update weekly, and NerdWallet fortnightly. Most recently, MT was updated on September 23, 2026 and NerdWallet on September 26, 2026.

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