Expense Keep vs Cash Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Expense Keep
This app offers a simple and fast way to track expenses and income, helping users manage their finances and save money. It allows for organizing funds into separate accounts or spending envelopes, with features for recurring transactions and detailed monthly history.
- Track expenses and income
- Organize money into accounts/envelopes
- Set up recurring transactions
- View monthly history and cash flow
- Create custom expense categories
- Transfer money between accounts
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Expense Keep is the simplest and quickest way to track your expenses. It will save you money and improve your financial health. Expense Keep has been downloaded over 500,000 times and ranked top 5 Finance app in 33 countries. "This is exactly what I was looking for. It has cut my spending tremendously. Couldn't be happier with this app." "I have never rated an app before but I feel so strongly about this app that I knew I had to share with everyone how great it is!" "All I wanted was a sole app to track multiple accounts. This does it. I love it and have deleted all of my other expense tracking apps." "This app is the only budget app that I could find which works well with a zero-based budget." "This is the best budget envelope app available. So beautifully designed and simple to use. Includes recurring transactions and transfers between envelopes." "This app is awesome! Super easy to use without requiring so much personal info like other apps (Mint)." "Finally an expenses tracking app that don't force you to connect every single bank account you have. This app is for those, like me, that like to keep their info as private as possible." "This app is helping me feel in much more control of my finances." "This app is fantastic. Don't know how i ever managed without it." "Awesome app. Easy to use. Quick to set up and quick to input transactions." "Have tried a number of apps to track expenses, and this one has everything I've been looking for." Expense Keep is a personal finance app built to be fast and designed to be flexible yet simple to use. Organize your money into separate accounts and track your expenses and incomes. Accounts can be used to track your bank account balances or as "envelopes" for your different spending groups. FEATURES: Accounts + Add/Edit/Delete accounts. + Set starting balance. + Organize your money into separate accounts. + View current balance of each account. Expenses and Incomes + Add/Edit/Delete entries for expenses and incomes. + Create custom expense categories. + Assign expenses/incomes to an account. + Set a date and note for each entry. + Select a category for expenses. Transfers + Add/Edit/Delete transfers. + Transfer money from one account to another. + Helps you stay on budget when you overspend in one account. Recurring Entries + Add/Edit/Delete recurring entries that get automatically entered. + Setup recurring expenses/incomes/transfers for each account. + Set repeat cycles of daily, weekly, biweekly, monthly and more. + Set a start date and end date for recurring expenses. + Or set recurring expenses to be ongoing with no end date. Monthly History + View all entries for current month. + Go back and see previous months' entries. + Go to future months and add entries ahead of time. Cash Flow + See how much you earned/spent for the month. + Cash flow bar chart helps you spend less than you earn. Expense Chart + Pie chart shows your expenses broken down into categories. + See where all your money is going. + Filter pie chart to show only the accounts you select. Report + CSV export Security + Passcode lock feature More features coming soon! Have questions, requests, or feedback? Send them to info@expensekeep.com If you enjoy using Expense Keep or found the app useful, please consider leaving a review. It helps us a lot. Thank you!
Cash Tracker
Manages personal finances by tracking income, expenses, and budgets across various accounts. Offers privacy by not requiring bank logins, with data stored locally. Helps users gain awareness of spending habits for better financial control.
- Track income and expenses
- Manage multiple accounts (banks, cards, cash)
- Set and track budgets
- Private and secure data storage
- Categorize spending manually
- Works offline
- Recurring payment setup (Pro)
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Keep your own financial records across multiple banks, cards, accounts and cash, and keep track of your income, expenses, spending and budget. Private and secure, it does not require logging on or disclosing your bank passwords. Simple budget setup and categorized tracking of income and expenses. Simple and free to use with low cost additional features available, it's a complete personal finance management solution. CashTracker tracks your finances independently of your bank. • Keep track of your spending • Keep track of your account balances • Keep track of loans • Simple budget set up • Track your spending vs budget • Avoid missed payments, overdrawn accounts, exceeded credit limits CashTracker - your personal finance manager in your pocket! Concerned about privacy? This is the finance and budgeting app for you! PRIVACY FEATURES • No account set up • No log in • No sharing of your information with unknown third parties • No need to divulge your banking log in passwords • Your data is stored only on your device and accessible only by you All of the above is possible because CashTracker does NOT link to your bank accounts. You have to enter your own data. Some may say that's too hard. Others just really don't want to share their private financial information. Regardless, there are some silver linings to this! CashTracker’s streamlined design makes it quick and easy to enter your spending, as you spend it. CashTracker Pro has recurring payments, allowing your regular payments to be entered automatically. And the biggest bonus of all. Time spent entering transactions is not wasted! Instead of being a passive observer of what has already happened, you are an active participant. You are now much more aware of every dollar you spend and what you are spending it on. Participation and awareness are integral parts of budgeting success, so you are more likely to achieve your financial goals, as you are simply more involved in the process. OTHER BENEFITS • Categorize your spending the way you want. You are not locked into an auto categorization algorithm with a mind of it's own. • Your balances and reports are always up to date. No waiting for days for transactions to be processed by your bank or card provider. • Works offline • Works with cash or virtual transactions (transactions not going through a bank account) • You can choose to share (or not) with your private iCloud account (for syncing your other devices) HOW IT WORKS Enter your day to day spending, as you spend it, and always know exactly where you stand financially. Track your spending, income and all your account balances. CashTracker helps you set budgets and stick to them, a sure way of getting your finances under control. PERFECT FOR • Bank accounts • Credit cards • Debit Cards • Loans • Cash • Virtual accounts • Buy now, pay later accounts (BNPL) The basic version of CashTracker is free to download and use, with additional features available if or when you need them. That way you only pay for the features that you actually need and will use. There are no ongoing monthly or yearly fees. You pay for the features you want... that's it! FEATURES • Clear, uncluttered design • All your account and card balances in the one place • Quick and easy data entry • Spending vs budget progress indicator • Categorized spending • Sync multiple devices EXTRA FEATURES YOU CAN PURCHASE • Additional accounts and cards • Additional custom expense categories • Expenses trend • Recurring payments • Photograph receipts • Built in calculator There are many expense tracking apps available, and I am not saying that this is the best one. But I did build it out of frustration with the other apps that I tried and yes, I do use CashTracker myself! Give it a try, maybe it's right for you!
Screenshots
Verdict
The clearest difference is rating: Expense Keep at 4.4 against Cash Tracker's 3.0. Expense Keep also leads on review sentiment (77% vs 50%) and ratings volume (1.7K vs 9). Cash Tracker's advantage is iOS requirement (12.0 vs 17.0). On price, 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
Both are free to download. Expense Keep sells 1 one-off in-app purchase and Cash Tracker sells 10 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.
Expense Keep holds the better App Store score, 4.4 against 3.0. That said, the two scores are not equally well evidenced: Expense Keep has 1.7K ratings behind it against 9, so its average is the more settled of the two. Written reviews point the same way: 77% of Expense Keep's written reviews are positive against 50% of Cash Tracker's.
Both ship on a similar rhythm, roughly every 6 weeks. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.
| Parameter | Expense Keep | Cash Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (1.7K ratings) — better | 3.0 (9 ratings) |
| Positive reviews | 77.5% of reviews — better | 50.0% of reviews |
| Number of ratings | 1.7K — better | 9 |
| Update frequency | Every 6 weeks | Every 6 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 17.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 5 MB | 8 MB |
| Age rating | 4+ | 4+ |
| Developer | Tayson Nguyen | Paul Bennie |
Customer experience
Expense Keep
Cash Tracker
Bugs and requests
Expense Keep
Reported bugs
4 issues- App crashes on launch after recent update
- Dark mode functionality is broken
- Recurring expense dates not updating correctly
- Unable to export data or send feedback in-app
Requested features
5 requests- Add support for multiple currencies
- Implement a monthly budgeting feature
- Allow customization of expense categories
- Improve data export and reporting options
- Integrate cloud backup and cross-device sync
Cash Tracker
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Expense Keep
- Expense Keep Pro$19.99
Cash Tracker
- CashTracker 15 Accounts$1.99
- CashTracker 15 Categories$1.99
- CashTracker Pro 3 Months$1.99
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- CashTracker 30 Accounts$1.99
- CashTracker 30 Categories$1.99
- CashTracker Premium$3.99
- CashTracker 6 Cards$3.99
- CashTracker Pro 6 Months$3.99
- CashTracker 1000 Transactions$4.99
- CashTracker Pro 12 Months$5.99









