Comparison

Expense Tracker vs Cuentio

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

Cuentio

Features
Read full description

Where does your money go? Cuentio is an expense tracker with no bank linking: log each expense in two taps, or snap a photo of the receipt and AI records it for you in seconds. No bank credentials, no ads, and manual tracking is free with no limits. LOG EXPENSES IN TWO TAPS • Fast manual entry: amount, category, done. Unlimited expenses and income, free. • Unlimited accounts and categories, recurring expenses (rent, subscriptions) and home screen widgets so you can log without opening the app. SNAP A PHOTO OF THE RECEIPT • Scan a receipt and AI extracts the total, date, merchant and VAT. • You get a free monthly allowance of AI actions, with the counter always visible in the app. • The photo stays attached to the expense: your receipt archive, always at hand. SAY IT OR TYPE IT • "Coffee 3.50" spoken out loud or typed as is: AI turns it into a categorized expense. BUDGETS AND CLEAR REPORTS • Budgets per category with warnings before you overspend. • Monthly and category reports: see where your money goes at a glance. • Optional AI monthly summary that explains your month in plain language. SHARE HOUSEHOLD EXPENSES • Create a shared household and invite your partner with a code: every expense shows who logged it, with a balance per member. • Invited members don't pay anything. NO BANK LINKING, BY DESIGN • Cuentio never connects to your bank or asks for banking credentials. It's an expense tracker that works just as well with cards, cash or multiple currencies. • Logging expenses yourself makes you more aware of your spending: that's the point. YOUR DATA IS YOURS • Exporting to CSV, Excel or PDF is free, forever. No ransom for your own data. • Backup and sync across devices are included in the free plan. • Delete your account and take your data with you whenever you want. WHAT'S FREE AND WHAT'S PRO Free: unlimited manual tracking, accounts, categories, recurring expenses, budgets, reports, widgets, sync, backup, export and a monthly AI allowance. Cuentio Pro (monthly or yearly subscription): a larger AI allowance, AI monthly summaries, shared household for its creator, PDF export with receipt photos, automatic exchange rates and extra personalization. No weekly plan, and no ads on any plan. Cuentio is a money manager built for everyday spending: a daily expense tracker, a spending tracker for your monthly budget and a personal finance log in one simple app. If you want a budget app without bank linking, a receipt scanner that fills in the expense for you, and a money tracker your partner can share, download Cuentio and start today: logging your first expense takes less than a minute. https://www.lghdeveloper.com/en/terms https://www.lghdeveloper.com/en/privacy

Screenshots

Expense Tracker4 screens
Cuentio4 screens

Verdict

The call

The clearest difference is update cadence: Cuentio at every 6 days against Expense Tracker's every 2 weeks. Cuentio also leads on iOS requirement (16.4 vs 18.0). On price, ads, in-app purchases and device support 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 Cuentio sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Expense Tracker ships an update every 2 weeks, Cuentio every 6 days. The most recent releases landed on October 27, 2026 and October 29, 2026 respectively.

Scorecard2 real differences · 8 level
Expense Tracker versus Cuentio: the parameters behind the verdict, then further details
ParameterExpense TrackerCuentio
PriceFreeFree
Rating4.8 (888 ratings) — better—
Positive reviews82.6% of reviews—
Number of ratings888 — better—
Update frequencyEvery 2 weeksEvery 6 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone
Requires iOS18.016.4 — better
Further details — not scored
Size53 MB86 MB
Age rating4+4+
DeveloperFlorian VatesLeandro Gartner

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

Cuentio

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
3 purchases

Cuentio

Subscriptions3
  • Cuentio Pro Monthly$4.991 Month
  • Cuentio Pro Founder14 Days trial$22.991 Year
  • Cuentio Pro Yearly14 Days trial$29.991 Year

Questions

Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Is Cuentio free?
Cuentio is free to download, with in-app purchases available.
Do Expense Tracker or Cuentio have ads?
Neither Expense Tracker nor Cuentio shows ads.
Which is updated more often, Expense Tracker or Cuentio?
Expense Tracker ships an update every 2 weeks, and Cuentio every 6 days. Most recently, Expense Tracker was updated on October 27, 2026 and Cuentio on October 29, 2026.

Other comparisons