Comparison

Expense Tracker vs Saving Diary

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

Head to head
About

Expense Tracker

Effortlessly track your daily expenses using AI-powered voice input or manual entry. The app automatically categorizes and splits your spending with a beautiful, clutter-free interface. Your data is securely stored in your personal iCloud, with no login required.

Highlights
  • AI-powered voice expense entry
  • Automatic expense categorization
  • Manual expense entry
  • Custom category creation
  • Beautiful and simple UI/UX
  • Privacy-friendly iCloud storage
  • No login required
Features
Read full description

Introducing MonAi, the app that revolutionizes how you track your daily expenses. With a fun, easy, and beautiful interface, MonAi simplifies expense tracking like never before. No more time-consuming data entry. Enter your expenses just like a voice message and MonAi will automatically split and categorize it for you. No login required, all saved securely in your personal iCloud. EFFORTLESS EXPENSE TRACKING Experience the future of expense tracking with MonAi's seamless voice input feature. Effortlessly capture your expenses by simply speaking them out loud. MonAi's robust AI algorithms intelligently categorize and divide your expenses without any manual effort on your part. Don't worry if voice input isn't your preference—MonAi offers versatile options. Enter expenses manually and still benefit from the app's intelligent categorization. Alternatively, drag and drop a category onto the input field to define your own custom category. MonAi adapts to your needs, making expense tracking quick, fun, and tailored to your style. BEAUTIFUL UI/UX DESIGN Enjoy a delightful and user-friendly interface, carefully designed to elevate your expense tracking experience. Embracing simplicity and elegance, MonAi's user-friendly design ensures that you can focus on what matters—your finances. Unlike overwhelming apps with unnecessary features, MonAi strips away the clutter, presenting you with a streamlined and intuitive interface that makes tracking expenses a pleasure. PRIVACY-FRIENDLY AND SECURE Rest assured knowing that your expense data is stored securely in your own personal iCloud. MonAi values your privacy and does not require any login credentials and doesn't have access to any of your data. Download MonAi now and discover a seamless and efficient way to track your expenses. Take control of your finances and experience the convenience of MonAi. Get to know the app and all of it’s features first with a free trial before you can choose between a monthly or yearly subscription. The subscription will automatically renew at the end of the period, for the same price. You can turn off the auto-renewal at any time up until 24-hours before the end of the subscription period in your Account Settings. When you cancel the auto-renewal, access to the "Pro features" will not expire immediately, you will have access until the end of the current payment period. Read more about it in the terms of service: https://www.get-monai.app/terms

About

Saving Diary

Manage your finances effortlessly by tracking expenses, setting savings goals, and creating budgets. This app helps you monitor debts, organize money across multiple wallets, and gain insights into spending habits with detailed reports. It offers offline functionality and data export for complete financial control.

Highlights
  • Track expenses and income
  • Set and monitor savings goals
  • Manage debt repayment
  • Organize finances with multi-wallet support
  • Create budgets and view reports
  • Export and import financial data
  • Offline mode for data security
Features
Read full description

Saving Diary: Expense Tracker & Budget Take control of your money with Saving Diary, the ultimate finance app for managing expenses, saving goals, and budgeting. Whether you're saving for a dream vacation, paying off loans, or just want to know where your paycheck goes, Saving Diary makes it simple and fun. Key Features: * Track Expenses & Income: - Log daily transactions in seconds – from coffee runs to rent payments. - Categorize spending to see exactly where your money goes. * Savings Goals: - Set goals (e.g., a new laptop, emergency fund) and track your progress. - Stay motivated with visual progress bars and reminders. * Debt Tracker: - Track what you owe and what others owe you. - Make partial payments and see your balances shrink over time. * Multi-Wallet Support: - Organize your money with multiple wallets (e.g., Cash, Bank, E-Wallet). - View your Active Balance (spendable money) and Total Wealth (net worth). - Archive unused wallets to keep things tidy. - Exclude specific wallets from stats when needed. * Budgeting & Reports: - Create monthly budgets and avoid overspending. - Get detailed reports on spending patterns, income trends, and savings progress. * Labels - Group multiple categories under one label (e.g., Travel, Projects) - Easy to track all spending related to the same event - View label summaries for better insights * Export & Import - Export your data anytime (CSV & Excel format) - Import past records or move from another app - Keep full control of your financial history * Offline Mode: - Use the app without an internet connection – your data stays secure on your device. * Customizable Categories: - Personalize expense categories with vibrant icons and colors. * Language Support: - Use the app in many languages for a more comfortable experience. Why Choose Saving Diary? • Simple & Clean Design: Easy to use, even if you’re new to budgeting. • All-in-One Solution: Combines expense tracking, saving goals, debt management, and budgeting in one app. • Secure & Private: Your financial data is safe and never shared with third parties. Download Now and Take Control of Your Money! Ready to simplify your finances? Download Saving Diary today and start your journey to financial freedom. Terms of Use: https://www.savingdiary.com/terms-of-service/ Privacy Policy: https://www.savingdiary.com/privacy/ Support: hello@savingdiary.com

Screenshots

Expense Tracker4 screens
Saving Diary4 screens

Verdict

The call

The clearest difference is rating: Expense Tracker at 4.8 against Saving Diary's 4.0. Expense Tracker also leads on ads (none vs shown) and ratings volume (861 vs 3). Saving Diary's advantage is device support (3 vs 1) and iOS requirement (15.1 vs 18.0). On price, in-app purchases and monetization model 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 Tracker sells 17 in-app purchases, starting at $2.99 per month and Saving Diary sells 2 in-app purchases, starting at $1.49 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Expense Tracker holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: Expense Tracker has 861 ratings behind it against 3, so its average is the more settled of the two.

UpkeepUpdate frequency

Expense Tracker ships an update fortnightly, Saving Diary monthly. The most recent releases landed on September 26, 2026 and June 11, 2026 respectively.

Scorecard6 real differences · 4 level
Expense Tracker versus Saving Diary: the parameters behind the verdict, then further details
ParameterExpense TrackerSaving Diary
PriceFreeFree
Rating4.8 (861 ratings) — better4.0 (3 ratings)
Positive reviews82.3% of reviews—
Number of ratings861 — better3
Update frequencyFortnightly — betterMonthly
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS18.015.1 — better
Further details — not scored
Size56 MB55 MB
Age rating4+4+
DeveloperFlorian VatesM Reki Andika

Customer experience

Expense Tracker

All ratings861 ratings
Positive95.6%
Neutral1.7%
Negative2.7%
Written reviews147 reviews
Positive82.3%
Neutral6.1%
Negative11.6%

Saving Diary

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%

Bugs and requests

Expense Tracker

Reported bugs

3 issues
  • Doesn't register all bank transactions
  • Incompatible with some devices or iOS versions
  • Sharing large lists doesn't work

Requested features

6 requests
  • Weekly/daily expense view
  • Separate savings category
  • Ability to add past expenses
  • Multi-currency support
  • Improved reporting and analytics
Show 1 more
  • Dark mode option

Saving Diary

Not enough reviews yet to summarise bugs or requests.

In-app purchases

17 purchases

Expense Tracker

Subscriptions17
  • Student Monthly7 Days trial$2.991 Month
  • Basic monthly intro7 Days trial$2.991 Month
  • Advanced$2.991 Month
Show 14 more
  • Family month intro7 Days trial$3.991 Month
  • Basic monthly7 Days trial$3.991 Month
  • Family$3.991 Month
  • Student Monthly7 Days trial$4.491 Month
  • Family month7 Days trial$5.491 Month
  • Monthly7 Days trial$7.991 Month
  • Student Yearly7 Days trial$24.991 Year
  • Basic yearly intro7 Days trial$24.991 Year
  • Advanced$24.991 Year
  • Basic yearly7 Days trial$29.991 Year
  • Family yearly intro7 Days trial$34.991 Year
  • Family$34.991 Year
  • Family yearly7 Days trial$39.991 Year
  • Yearly7 Days trial$71.991 Year
2 purchases

Saving Diary

Subscriptions2
  • Monthly Plan$1.491 Month
  • Annual Plan$9.901 Year

Questions

Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Is Saving Diary free?
Saving Diary is free to download, with in-app purchases available.
Which has better reviews, Expense Tracker or Saving Diary?
Expense Tracker is rated higher. Expense Tracker averages 4.8 out of 5 from 861 ratings, while Saving Diary averages 4.0 from 3 ratings.
Do Expense Tracker or Saving Diary have ads?
Saving Diary shows ads; Expense Tracker does not.
Which is updated more often, Expense Tracker or Saving Diary?
Expense Tracker ships an update fortnightly, and Saving Diary monthly. Most recently, Expense Tracker was updated on September 26, 2026 and Saving Diary on June 11, 2026.

Other comparisons