Comparison

Checkbook vs Monetal

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

Head to head
About

Checkbook

Manage your daily finances with this app, tracking credit card charges, cash expenditures, and more. It offers multiple accounts, recurring transactions, fund transfers, and detailed reports with graphs. Easily search and export your financial data.

Highlights
  • Multiple account tracking
  • Recurring transaction saving
  • Fund transfers between accounts
  • Export data in CSV, QIF, HTML
  • Calendar view of transactions
  • Reports and charts for expenses/income
  • Passcode protection
Features
Currently charting
Read full description

An easy & quick way to manage your daily finances, Checkbook keeps track of your credit card charges, cash expenditures...etc. With the Checkbook application, it can totally replace your paper checkbook. You can create multiple accounts, save recurring transactions, transfer funds, view reports & graphs, export data...etc. You can even search the transaction by crossing your finger on the calendar! All details of the Checkbook are well designed to provide an excellent experience. Designed and developed by polycents! FEATURES ※Export in CSV, QIF & HTML Formats -Export your transactions by email for use of desktop applications such as Excel, Quicken...etc. ※Calendar -Show all your monthly transactions as points on the calendar. -Filter transactions by tapping a date or selecting multiple dates on the calendar. ※Recurring Transactions -Save a transaction to be used repeatedly(daily, weekly, 2 weeks, monthly, tire monthly), without retyping all the details. ※Multiple Accounts -Track as many accounts as you need. ※Categories -Supports multiple categories with beautiful icons to choose from. ※Payee & Note -All the details you need to keep track of your transactions are including. ※Search -Quickly search for transactions by dates, name, payee, and category. -Search and edit transactions on the same screen. ※Transfer -Transfer funds from one account to another. ※Reconcile Transactions -Reconcile your transactions by editing cleared/un-cleared status ※Reports & Charts -Review all your expenses & income by category or account with beautiful graphs and reports. -Supports both bar and pie charts. -You can set the time period to daily, weekly, monthly & yearly. ※Passcode -Protects your private information. ※Currency -Supports multiple currencies. ※Elegant, Powerful & User-friendly interface # Subscription Details # - Monthly and annual subscriptions are available. - Payment will be charged to your iTunes account at confirmation of purchase. - Your subscription will automatically renew unless auto-renew is disabled at least 24 hours before the end of the current subscription period. - Automatic renewals will be charged at the same price you were originally charged for the subscription. - Subscriptions can be managed by going to Account Settings on the App Store after purchase. Terms of Use: https://www.iubenda.com/terms-and-conditions/42835851 Privacy Policy: https://www.iubenda.com/privacy-policy/42835851 Developer website:https://www.polycents.com If you have any problems or suggestions please send a mail to checkbook@appxy.com, you will get the response in a short time.

About

Monetal

Effortlessly manage your finances with this ad-free expense tracker. Automatically parse transactions from SMS, track income, expenses, and debts across unlimited accounts. Features budgeting tools, detailed history, and cross-device sync for complete financial control.

Highlights
  • SMS transaction parsing
  • Add transactions in 3 taps
  • Track expenses, income, and debts
  • Unlimited multi-currency accounts
  • Budget planning tools
  • Cross-device data sync
  • No ads
Features
Read full description

Monetal - Expense Tracker without any Ads, with SMS parsing! The Ultimate Solution for Your Personal Finance Needs! Offering a clean and intuitive interface, Monetal makes budgeting, expense tracking and personal finance management a breeze. Quickly add transactions with just 3 taps and track your expenses, income, and debts with ease. You can create unlimited accounts for cash, credit cards, electronic money, and easily log your income and expenses and stay on top of your budget. WHY CHOOSE MONETAL AS YOUR EXPENSE MANAGER? - Add transactions within 3 taps - SMS parsing (!) - Track expenses, income, debts and transfers - Any number of multi-currency accounts - Unlimited categories and sub-categories - Detailed spending history - Budget planning tools to help you save money - Seamless sync budget data across all devices - Split expenses across multiple budget lines - Built-in calculator - No Ads, completely - Constantly improved since 2012 (!) COMPLETE PRIVACY Monetal does not require registration or user account, that's why all your data is completely anonymous and is stored on your device. Some data can be transfered to server only for app analytics (like most popular screens, which functions are frequently used, which can be removed etc) or sync functionality, which doesn't effect app security. CLIENT SUPPORT The first version of Monetal was launched in 2012, and since then it has undergone numerous improvements and updates. If you have any suggestions or questions, please send email to support@monetal.app Monetal is a one-stop solution for all your personal finance needs. Whether you're looking to track expenses, manage your budget, or simply save money, Monetal has got you covered. So why wait? Start counting your money with Monetal today! Thank you for choosing Monetal! Terms Of Use https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Checkbook4 screens
Monetal4 screens

Verdict

The call

The clearest difference is rating: Monetal at 5.0 against Checkbook's 4.3. Monetal also leads on monetization model (free with in-app purchases vs subscription) and ads (none vs shown). Checkbook's advantage is ratings volume (14K vs 21) and chart position (#156 vs unranked). On price 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. Checkbook sells 5 in-app purchases, starting at $0.99 per month and Monetal sells 5 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Monetal holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: Checkbook has 14K ratings behind it against 21, so its average is the more settled of the two. Written reviews point the same way: 56% of Checkbook's written reviews are positive against 88% of Monetal's.

UpkeepUpdate frequency

Checkbook ships an update every 6 weeks, Monetal every 2 weeks. The most recent releases landed on October 30, 2026 and October 29, 2026 respectively.

Scorecard9 real differences · 2 level
Checkbook versus Monetal: the parameters behind the verdict, then further details
ParameterCheckbookMonetal
PriceFreeFree
Rating4.3 (14K ratings)5.0 (21 ratings) — better
Positive reviews55.8% of reviews88.2% of reviews — better
Number of ratings14K — better21
Update frequencyEvery 6 weeksEvery 2 weeks — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationSubscriptionFree with in-app purchases — better
Best chart rank#156 — better—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better16.0
Further details — not scored
Size122 MB24 MB
Age rating4+4+
DeveloperBeesoft AppsIlya Krupko

Customer experience

Checkbook

All ratings14,252 ratings
Positive82.0%
Neutral6.3%
Negative11.7%
Written reviews778 reviews
Positive55.8%
Neutral9.4%
Negative34.8%

Monetal

All ratings19 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews85 reviews
Positive88.2%
Neutral3.5%
Negative8.2%

Bugs and requests

Checkbook

Reported bugs

4 issues
  • Account balances not updating correctly
  • Transactions disappearing or duplicating
  • Sync issues between devices
  • App crashes or freezes after updates

Requested features

5 requests
  • Custom categories and icons
  • Budgeting and forecasting tools
  • Ability to attach receipts/photos
  • Improved account organization options
  • Automatic balance reconciliation

Monetal

Not enough reviews yet to summarise bugs or requests.

In-app purchases

5 purchases

Checkbook

Subscriptions4
  • Premium - 1 Month$0.991 Month
  • Premium - 1 Year7 Days trial$7.991 Year
  • Premium - 1 Year7 Days trial$8.991 Year
Show 1 more
  • Premium - 1 Year7 Days trial$9.991 Year
One-time1
  • Upgrade to Checkbook Pro$9.99
5 purchases

Monetal

Subscriptions4
  • Premium Month7 Days trial4 variants$4.991 Month
  • Premium Year7 Days trial$9.991 Year
  • Premium Year$19.991 Year
Show 1 more
  • Premium Year7 Days trial2 variants$29.991 Year
One-time1
  • Premium Forever4 variants$49.99

Questions

Is Checkbook free?
Checkbook is free to download, with in-app purchases available.
Is Monetal free?
Monetal is free to download, with in-app purchases available.
Which has better reviews, Checkbook or Monetal?
Monetal is rated higher. Checkbook averages 4.3 out of 5 from 14K ratings, while Monetal averages 5.0 from 21 ratings.
Do Checkbook or Monetal have ads?
Checkbook shows ads; Monetal does not.
Which is updated more often, Checkbook or Monetal?
Checkbook ships an update every 6 weeks, and Monetal every 2 weeks. Most recently, Checkbook was updated on October 30, 2026 and Monetal on October 29, 2026.

Other comparisons