# Expense Tracker vs Saving Diary

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.

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.

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.

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

## The numbers

| Metric | Expense Tracker | Saving Diary |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (861 ratings)](https://appshunter.io/ios/app/expense-tracker-monai/id6447112647/reviews)** | [4.0 (3 ratings)](https://appshunter.io/ios/app/saving-diary-money-manager/id6464059456/reviews) |
| Number of ratings | **861** | 3 |
| Positive reviews | 82.3% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | **#178** | — |
| Size | 56 MB | 55 MB |
| Requires iOS | 18.0 | **15.1** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Florian Vates](https://appshunter.io/developer/1544416478) | [M Reki Andika](https://appshunter.io/developer/1705409671) |

## What reviewers say

### Expense Tracker

[App page](https://appshunter.io/ios/app/expense-tracker-monai/id6447112647)

**Currently charting:** #178 Top Grossing · Finance (US App Store)

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

**In-app purchases (17)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Student Monthly | $2.99 | per month |
| Basic monthly intro | $2.99 | per month |
| Advanced | $2.99 | per month |
| Family month intro | $3.99 | per month |
| Basic monthly | $3.99 | per month |
| Family | $3.99 | per month |
| Student Monthly | $4.49 | per month |
| Family month | $5.49 | per month |
| Monthly | $7.99 | per month |
| Student Yearly | $24.99 | per year |
| Basic yearly intro | $24.99 | per year |
| Advanced | $24.99 | per year |
| Basic yearly | $29.99 | per year |
| Family yearly intro | $34.99 | per year |
| Family | $34.99 | per year |
| Family yearly | $39.99 | per year |
| Yearly | $71.99 | per year |

**What reviewers like**

- 🚀 Dictate transactions, no need to enter individually
- 🚀 Simple and easy to use
- 👍 Shared account for couples
- 👍 Practical, solves the problem of writing down expenses
- 👍 Intuitive and effective

**What reviewers complain about**

- 🐛 Doesn't register all transactions, especially Apple Pay
- 🔒 Requires payment to use, no free trial
- 🔒 Stops working on alternative devices after paying
- 🔒 Limited features in free version
- 🐛 Voice input sometimes gets stuck or has errors

**Reported bugs**

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

**Requested features**

- Weekly/daily expense view
- Separate savings category
- Ability to add past expenses
- Multi-currency support
- Improved reporting and analytics


### Saving Diary

[App page](https://appshunter.io/ios/app/saving-diary-money-manager/id6464059456)

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:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Plan | $1.49 | per month |
| Annual Plan | $9.90 | per year |


## Frequently asked 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.

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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.*