Comparison

Expense Keep vs NMD

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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!

About

NMD

Read full description

Ready to stop mindless spending and finally hit your savings goals? Meet NMD (No Money Day) - the gamified personal finance tracker that makes saving money addictive, rewarding, and surprisingly hilarious. Instead of staring at boring spreadsheets and complex graphs, NMD turns your saving habits into an interactive RPG. Your financial health is represented by a digital crystal. Every day you spend $0 (a No Money Day), your crystal grows, sparkles, and levels up. Every time you spend, your crystal halts its growth. Can you keep your saving streak alive and evolve your crystal to its final form? KEY FEATURES: * Gamified Savings (NMD): Track your "No Spend Days" (NMD) on a beautiful calendar interface. Keep streaks alive to level up your crystal from a tiny seed to a giant, glowing diamond. * Roast or Hype AI Assistant: Get instant feedback on your spending. - Roast Mode (Spicy): Get teased with witty, sarcastic, and brutally honest comments on your purchases to keep you accountable. - Hype Mode (Sweet): Need encouragement? Switch to Hype mode for sweet, high-energy motivation that celebrates every penny you save. * Instant AI Receipt Scanner (OCR): Just take a photo of your receipt! Our AI instantly extracts the store name, category, and total amount. No tedious manual data entry required. * Visual Progress and Analytics: Beautiful, glassmorphic charts show your monthly target NMDs, average daily spending, and longest streaks at a glance. * Stamps and Logs: Keep track of your progress with retro digital ink stamps on your calendar view. UPGRADE TO NMD PRO FOR THE ULTIMATE EXPERIENCE: * All Premium Crystal Themes: Unlock Amethyst, Sapphire, Emerald, Ruby, Obsidian, Cyberpunk, and the legendary Rainbow Diamond. * 100% Ad-Free Experience: Remove all interstitial and rewarded ads for seamless logging. * Unlimited Receipt Scans: Scan as many receipts as you want every month. * Data Export: Export your entire history to CSV for deeper analysis. Stop dreading your bank statements. Download NMD today, start your No-Spend challenge, and grow your crystal (and your savings)!

Screenshots

Expense Keep4 screens
NMD4 screens

Verdict

The call

The clearest difference is update cadence: NMD at every 4 days against Expense Keep's every 6 weeks. On price, in-app purchases and iOS requirement 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. Expense Keep sells 1 one-off in-app purchase and NMD sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Expense Keep ships an update every 6 weeks, NMD every 4 days. The most recent releases landed on November 6, 2026 and November 5, 2026 respectively.

Scorecard1 real difference · 9 level
Expense Keep versus NMD: the parameters behind the verdict, then further details
ParameterExpense KeepNMD
PriceFreeFree
Rating4.4 (1.7K ratings) — better—
Positive reviews77.5% of reviews—
Number of ratings1.7K — better—
Update frequencyEvery 6 weeksEvery 4 days — better
AdsNo—
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone — better—
Requires iOS17.017.0
Further details — not scored
Size5 MB8 MB
Age rating4+4+
DeveloperTayson NguyenKAZUYA AKANUMA

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

NMD

Not enough reviews yet to summarise bugs or requests.

In-app purchases

1 purchases

Expense Keep

One-time1
  • Expense Keep Pro$19.99
1 purchases

NMD

One-time1
  • NMD Pro$3.99

Questions

Is Expense Keep free?
Expense Keep is free to download, with in-app purchases available.
Is NMD free?
NMD is free to download, with in-app purchases available.
Which is updated more often, Expense Keep or NMD?
Expense Keep ships an update every 6 weeks, and NMD every 4 days. Most recently, Expense Keep was updated on November 6, 2026 and NMD on November 5, 2026.

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