Comparison

Expense Keep vs Money Zen

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
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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!

About

Money Zen

This app simplifies bookkeeping with a flexible tagging system and an integrated calculator. Track spending over any period, analyze past purchases, and manage budgets for future goals. It also functions as a smart shopping list and offers a financial management method for spending and investing.

Highlights
  • Flexible tagging system for detailed expense categorization
  • Integrated calculator with equation visibility
  • Easy date adjustment for past entries
  • Analyze spending by day, month, or year
  • Track median spending per tag (e.g., restaurant menu)
  • Searchable expense history
  • Shopping list functionality
Features
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How to Develop the Habit of Bookkeeping Bookkeeping should be simple and straightforward, which is easy to say, but: - So many categories, and subcategories? What category should I choose? — Money Zen use a tagging system, you can write "food, eat out, restaurant_name, meal_name", as detailed or rough as you want. - I bought two boxes of eggs with different prices, add this to this, where is the calculator? Where is the equation I just entered? Is there a typo? — Money Zen has a calculator that does not need to input the equal sign, and can see the equation - When adding yesterday's expenses, I have to tap three times (tap date, yesterday, complete) to change the date to yesterday? — On Money Zen, just tap the left arrow or swipe right on the date, and the date will be changed to yesterday. What's the use of these so easily tracked expenses? - If you want to budget for the future, then look at where the money has been spent in the past year, how much did you spend on each item per month? — In Money Zen you can select any time range, and see the daily/monthly/annual average spending for each tag - A restaurant you often eat at, because you have wrote down the name of the restaurant and the name of the meal (as tags) every time—in Money Zen, tap the tag of this restaurant, and then tap to show "Median & No. of Transactions", what you see at this time is like the menu of this restaurant — the median is roughly equal to the unit price of each set meal: $XX for egg fried rice, $xx for mapo tofu. Before you know it, Money Zen becomes a menu collector and records your tastes. - Search: past air tickets, past trips, when items were purchased, and whether the warranty has expired - Look at the changes in your spending on food each year, whether you've gone from eating fast food to cooking your own meals, whether you're eating better and better, but spending less and less - Looking back and seeing the changes in your life, are you spending less on things useless and putting your votes in the form of money on things you support? - Did you spend more meaningfully, increasing your contribution to the outside world, supporting your family and friends, and contributing to society? Money Zen can also be used as a shopping list, so you can write it down before you buy, only the amount is zero, and then add the amount after you buy. Money Zen comes with a financial management method: use part of the monthly income for spending, and the rest for investing. The money saved for spending can be accumulated. If you spend less this month, you will have more money to spend in the future. Know two balances at any time: how much money is left to spend, and how much money is left to invest. In order to buy something, you can save a little money every month to the account for spending, and when the amount is reached, you can buy it with peace of mind. Just like transferring money to a investment account to buy stocks in real life, you can add these investment accounts in Money Zen, and record each transfer to these accounts, and the amount left for investing will be automatically updated. Now that the investment accounts has been added, Money Zen also provides the function to manually update the values of these accounts and display the total assets. Multiple currencies are also necessary. Expenses are not necessarily in the same currency, but the statistics can be in a fixed currency - Money Zen provides the ability to select the accounting currency, and other currencies are automatically converted to it according to the exchange rate for statistics and display. In real life, when converting from one currency to another, you may lose money due to bad exchange rates - Money Zen provides a function to record real-life currency conversions, and the balance is updated accordingly, you can also see the actual balance of each currency you own. This is my dream bookkeeping app - Money Zen. Privacy policy and terms of use: https://moneyzen.app/terms/

Screenshots

Expense Keep4 screens
Money Zen4 screens

Verdict

The call

The clearest difference is ratings volume: Expense Keep at 1.7K against Money Zen's 17. Money Zen's advantage is review sentiment (87% vs 77%) and iOS requirement (13.0 vs 17.0). On price, rating, update cadence and ads 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 Money Zen sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.4 for Expense Keep against 4.4 for Money Zen. That said, the two scores are not equally well evidenced: Expense Keep has 1.7K ratings behind it against 17, so its average is the more settled of the two. Written reviews are what separate them: 77% of Expense Keep's written reviews are positive against 87% of Money Zen's.

UpkeepUpdate frequency

Expense Keep ships an update every 6 weeks, Money Zen monthly. Both last shipped on November 1, 2026.

Scorecard3 real differences · 7 level
Expense Keep versus Money Zen: the parameters behind the verdict, then further details
ParameterExpense KeepMoney Zen
PriceFreeFree
Rating4.4 (1.7K ratings) — better4.4 (17 ratings)
Positive reviews77.5% of reviews87.1% of reviews — better
Number of ratings1.7K — better17
Update frequencyEvery 6 weeksMonthly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhoneiPhone, iPod — better
Requires iOS17.013.0 — better
Further details — not scored
Size5 MB5 MB
Age rating4++4
DeveloperTayson NguyenGuojie Zeng

Customer experience

Expense Keep

All ratings1,685 ratings
Positive87.7%
Neutral5.8%
Negative6.5%
Written reviews364 reviews
Positive77.5%
Neutral8.5%
Negative14.0%

Money Zen

All ratings17 ratings
Positive82.4%
Neutral5.9%
Negative11.8%
Written reviews70 reviews
Positive87.1%
Neutral4.3%
Negative8.6%

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

Money Zen

Not enough reviews yet to summarise bugs or requests.

In-app purchases

1 purchases

Expense Keep

One-time1
  • Expense Keep Pro$19.99
3 purchases

Money Zen

Subscriptions1
  • Supporter Program$0.991 Month
One-time2
  • +15 Tags2 variantsFree
  • +35 Tags7 variantsFree

Questions

Is Expense Keep free?
Expense Keep is free to download, with in-app purchases available.
Is Money Zen free?
Money Zen is free to download, with in-app purchases available.
Which has better reviews, Expense Keep or Money Zen?
Expense Keep is rated higher. Expense Keep averages 4.4 out of 5 from 1.7K ratings, while Money Zen averages 4.4 from 17 ratings.
Do Expense Keep or Money Zen have ads?
Neither Expense Keep nor Money Zen shows ads.
Which is updated more often, Expense Keep or Money Zen?
Expense Keep ships an update every 6 weeks, and Money Zen monthly. Most recently, Expense Keep was updated on November 1, 2026 and Money Zen on November 1, 2026.

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