Velvet vs Settle
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
Velvet
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The app to track your spending and monitor where your money goes! Simple A clean user interface to browse and understand your transactions. No credit card offers to clutter up your screen. Private & Secure You data does not leave your device. No ads No in app ads. No credit card offers. Analysis Trends Once you have enough data, look at your spending month over month and we will call out insights into specific merchants or categories. Importing Manually add an entry when you spend money or import a CSV whenever you get your credit card statement. Build out import rules to categorize and clean your data so it works for you. Food delivery app showing up as "Shopping" on your credit card? Write a rule to move it to "Restaurants"! Do you shop at a store that shows up as 3 different merchants? Write a rule to combine them into one! Want to assign all transactions from a store to certain user? Write a rule to update purchased by when the merchant matches! We track app usage analytics to understand what feature our users are using and how they use them.
Settle
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Track your money in seconds. Private, simple, and yours. Settle makes it easy to log expenses, set budgets, and see where your money goes. ⢠Drag to log, or add in a couple of taps ⢠Multiple accounts with multi-currency support ⢠Transfers between your own accounts, and a spend can become one at any time ⢠Budgets and monthly spending insights ⢠Clean charts, light and dark themes ⢠No sign-up, no ads, no tracking SETTLE PRO ⢠Automation: pay with your phone and the expense lands in your budget on its own, with the phone locked and the app closed. A shop Settle knows goes straight to its category; anything new waits in Review, where one fix teaches it for good ⢠Restore points: snapshots of your data you can roll back to, kept on the device and in your own iCloud Drive, so they survive a reinstall ⢠Recurring rules: rent, subscriptions, and bills record themselves on schedule ⢠monobank sync, for accounts in Ukraine: cards and jars import themselves, so the day is already logged WHERE YOUR DATA LIVES There is no Settle account and no Settle server. Your finances sit in a database on your phone. Bank data travels between your device and your own bank. Restore points go to your own iCloud Drive. We cannot see any of it. Available in English and Ukrainian. SUBSCRIPTION Settle Pro costs $2.99 per month or $19.99 per year, starting with a 14-day free trial. Payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically unless you cancel at least 24 hours before the current period ends. Manage or cancel it at any time in your Apple Account settings. Any unused part of a free trial is forfeited if you subscribe before it ends. Terms of Use (Apple standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://juisemad.github.io/settle-privacy/
Screenshots
Verdict
The clearest difference is in-app purchases: Velvet at none against Settle's 2. Velvet also leads on iOS requirement (12.0 vs 16.4). On price, ads and device support there is nothing between them.
Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS
Both are free to download. Settle sells 2 in-app purchases, starting at $2.99 per month. Velvet asks for nothing beyond the download.
| Parameter | Velvet | Settle |
|---|---|---|
| Price | Free | Free |
| Update frequency | ā | Every 5 days |
| Ads | No | No |
| In-app purchases | No ā better | Yes |
| Devices | iPhone, iPod ā better | iPhone |
| Requires iOS | 12.0 ā better | 16.4 |
| Further details ā not scored | ||
| Size | 38 MB | 52 MB |
| Age rating | 4+ | 4+ |
| Developer | Michael Stark | Eduard Kovtun |
In-app purchases
Velvet
No in-app purchases
Settle
- Settle Pro Monthly14 Days trial$2.991 Month
- Settle Pro Annual14 Days trial$17.991 Year









