# Expense Tracker vs Money Vault

The clearest difference is rating: Expense Tracker at 4.8 against Money Vault's 4.4. Expense Tracker also leads on ratings volume (889 vs 9) and chart position (#187 vs unranked). Money Vault's advantage is update cadence (every 4 days vs every 2 weeks) and review sentiment (100% vs 83%). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Expense Tracker sells 10 in-app purchases, starting at $2.99 per month and Money Vault sells 2 in-app purchases, starting at $6.99 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 4.4. That said, the two scores are not equally well evidenced: Expense Tracker has 889 ratings behind it against 9, so its average is the more settled of the two. Written reviews complicate that: 83% of Expense Tracker's written reviews are positive against 100% of Money Vault's, so the app with the better star average is not the one people write more warmly about.

Expense Tracker ships an update every 2 weeks, Money Vault every 4 days. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Expense Tracker | Money Vault |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (889 ratings)](https://appshunter.io/ios/app/expense-tracker-monai/id6447112647/reviews)** | [4.4 (9 ratings)](https://appshunter.io/ios/app/money-vault-expense-tracker/id6759955347/reviews) |
| Number of ratings | **889** | 9 |
| Positive reviews | 82.6% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 4 days** |
| Monetization | Free with in-app purchases | Freemium |
| Best chart rank | **#187** | — |
| Size | 54 MB | 54 MB |
| Requires iOS | 18.0 | **17.0** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Florian Vates](https://appshunter.io/developer/1544416478) | [Nikita Matievski](https://appshunter.io/developer/1881903523) |

## What reviewers say

### Expense Tracker

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

**Currently charting:** #187 Top Grossing · Finance (US App Store)

Effortlessly track daily expenses with AI-powered voice input and automatic categorization. Enjoy a beautiful, clutter-free interface and secure iCloud storage. Offers a free trial before subscription.

**Highlights:** AI-powered voice expense input, Automatic expense categorization, Manual expense entry, Customizable categories, Beautiful and intuitive UI/UX, Secure iCloud storage, Privacy-friendly, no login required

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

**In-app purchases (10)**

| 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 |
| Monthly | $7.99 | per month |
| Student Yearly | $24.99 | per year |
| Basic yearly intro | $24.99 | per year |
| Advanced | $24.99 | 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


### Money Vault

[App page](https://appshunter.io/ios/app/money-vault-expense-tracker/id6759955347)

Effortlessly track expenses using voice commands and AI categorization. Manage finances across multiple currencies, set savings goals, and gain insights into spending habits. Offers a fun mascot companion and receipt scanning for enhanced financial management.

**Highlights:** Voice expense input, AI-powered categorization, Multi-currency tracking, Receipt scanning, Savings goals, AI chat assistant

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $6.99 | per month |
| Pro Yearly | $39.99 | per year |


## Frequently asked questions

### Is Expense Tracker free?

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

### Is Money Vault free?

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

### Which has better reviews, Expense Tracker or Money Vault?

Expense Tracker is rated higher. Expense Tracker averages 4.8 out of 5 from 889 ratings, while Money Vault averages 4.4 from 9 ratings.

### Do Expense Tracker or Money Vault have ads?

Neither Expense Tracker nor Money Vault shows ads.

### Which is updated more often, Expense Tracker or Money Vault?

Expense Tracker ships an update every 2 weeks, and Money Vault every 4 days. Most recently, Expense Tracker was updated on November 3, 2026 and Money Vault on October 31, 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.*