# budgi vs Otto

The clearest difference is review sentiment: Otto at 100% against budgi's 46%. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. budgi sells 10 in-app purchases, starting at $1.99 per month and Otto sells 1 in-app purchase, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

budgi ships an update every 5 weeks, Otto every 3 weeks. The most recent releases landed on November 7, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | budgi | Otto |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5 ratings)](https://appshunter.io/ios/app/budgi-finances-with-ai/id6446124561/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | 45.8% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 93 MB | 25 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | +4 | +4 |
| Developer | [Brandow Buenos Aires Madeira](https://appshunter.io/developer/1597133199) | [Lucas Siqueira](https://appshunter.io/developer/1531326686) |

## What reviewers say

### budgi

[App page](https://appshunter.io/ios/app/budgi-finances-with-ai/id6446124561)

This app uses AI and Open Finance to automatically sync your bank accounts and cards for personalized financial management. Get insights, tips, and strategies from your AI assistant to save more and understand spending habits.

**Highlights:** AI-powered financial insights, Automatic bank account syncing, Personalized budgeting tools, Spending habit analysis, Payment reminders and alerts, Multi-currency support

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| budgi Plus (Monthly) | $1.99 | per month |
| budgi Plus (Partners Monthly) | $1.99 | per month |
| budgi Pro (Partners Monthly) | $2.99 | per month |
| budgi Pro (Monthly) | $3.99 | per month |
| budgi Business (Partners Monthly) | $5.99 | per month |
| budgi Plus (Yearly) | $14.99 | per year |
| budgi Plus (Partners Yearly) | $14.99 | per year |
| budgi Pro (Partners Yearly) | $22.99 | per year |
| budgi Pro (Yearly) | $29.99 | per year |
| budgi Business (Partners Yearly) | $49.99 | per year |


### Otto

[App page](https://appshunter.io/ios/app/otto-expense-tracker/id6749043439)

Effortlessly manage personal finances and understand spending patterns. Gain insights into essential, important, and superfluous expenses with clear charts and behavioral classifications. Access helpful content to improve your financial literacy and maintain control.

**Highlights:** Expense recording, Spending habit tracking, Financial insights and charts, Behavioral classification (survivor, balanced, spender), Expense categorization (essential, important, superfluous), Financial literacy content library, Intuitive user experience

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Otto Premium | $0.99 | per month |


## Frequently asked questions

### Is budgi free?

budgi is free to download, with in-app purchases available.

### Is Otto free?

Otto is free to download, with in-app purchases available.

### Do budgi or Otto have ads?

Neither budgi nor Otto shows ads.

### Which is updated more often, budgi or Otto?

budgi ships an update every 5 weeks, and Otto every 3 weeks. Most recently, budgi was updated on November 7, 2026 and Otto on November 8, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*