Comparison

Expense Tracker vs Luca AI

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

Luca AI

Features
Read full description

Luca is your all-in-one financial AI assistant app designed to make managing expenses a breeze. Streamline your finances, organize invoices, and gain insights into your spending habits with Luca. Our AI-powered chatbot simplifies expense tracking, while customizable reports help you visualize your financial data. Luca ensures your data is secure, and you're in control. Experience hassle-free expense management with Luca today! You can consider Luca as your own personal accountant , who register and follow up your expenses and generate reports for you when requested

Screenshots

Expense Tracker4 screens
Luca AI4 screens

Verdict

The call

The clearest difference is in-app purchases: Luca AI at none against Expense Tracker's 17. Luca AI also leads on device support (3 vs 1) and iOS requirement (14.0 vs 18.0). On price, 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 Tracker sells 17 in-app purchases, starting at $2.99 per month. Luca AI asks for nothing beyond the download.

UpkeepUpdate frequency

Expense Tracker ships an update fortnightly, Luca AI monthly. The most recent releases landed on September 26, 2026 and September 12, 2026 respectively.

Scorecard3 real differences · 7 level
Expense Tracker versus Luca AI: the parameters behind the verdict, then further details
ParameterExpense TrackerLuca AI
PriceFreeFree
Rating4.8 (861 ratings) — better—
Positive reviews82.3% of reviews—
Number of ratings861 — better—
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS18.014.0 — better
Further details — not scored
Size56 MB48 MB
Age rating4+4+
DeveloperFlorian VatesLemoni Lab

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

Luca AI

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
None

Luca AI

No in-app purchases

Questions

Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Is Luca AI free?
Luca AI is free to download, with no in-app purchases.
Do Expense Tracker or Luca AI have ads?
Neither Expense Tracker nor Luca AI shows ads.
Which is updated more often, Expense Tracker or Luca AI?
Expense Tracker ships an update fortnightly, and Luca AI monthly. Most recently, Expense Tracker was updated on September 26, 2026 and Luca AI on September 12, 2026.

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