# Sem vs Zelvo

The clearest difference is in-app purchases: Sem at none against Zelvo's 3. Sem also leads on iOS requirement (12.0 vs 15.1). On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. Zelvo sells 3 in-app purchases, starting at $0.99 per 7 days. Sem asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for Sem against 5.0 for Zelvo. Both are backed by a comparable volume of ratings — 1 and 2 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Both ship on a similar rhythm, roughly every 4 months. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Sem | Zelvo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/sem-budgeting/id6455884315/reviews) | [5.0 (2 ratings)](https://appshunter.io/ios/app/zelvo-budget-planner/id6748863539/reviews) |
| Number of ratings | 1 | **2** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | Every 4 months |
| Monetization | **Free** | Freemium |
| Size | 53 MB | 48 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Mark Mendoza](https://appshunter.io/developer/1700185707) | [Rachid Demghart](https://appshunter.io/developer/1827717758) |

## What reviewers say

### Sem

[App page](https://appshunter.io/ios/app/sem-budgeting/id6455884315)

Easily manage your expenses, categorize spending, and track savings with this intuitive budgeting tool. Receive timely reminders for upcoming bills and generate detailed monthly financial statements to understand your spending habits.

**Highlights:** Add and manage expenses, Categorize spending, Monthly budget overviews, Push notifications for due dates, Generate monthly statements, Light and Dark mode

**Features:** macOS Compatibility

**In-app purchases:** none


### Zelvo

[App page](https://appshunter.io/ios/app/zelvo-budget-planner/id6748863539)

This app helps you manage your money by creating budgets, tracking expenses, and setting financial goals. It offers visual progress tracking and a subscription manager to help you stay disciplined and achieve financial freedom.

**Highlights:** Custom budget planner, Easy expense tracking, Visual progress charts, Subscription manager, Goal tracking

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Subscription | $0.99 | per 7 days |
| Monthly Subscription | $6.99 | per month |
| Yearly Subscription | $39.99 | per year |


## Frequently asked questions

### Is Sem free?

Sem is free to download, with no in-app purchases.

### Is Zelvo free?

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

### Which has better reviews, Sem or Zelvo?

Sem and Zelvo are both rated 5.0 out of 5 on the App Store, from 1 and 2 ratings respectively.

### Do Sem or Zelvo have ads?

Neither Sem nor Zelvo shows ads.

### Which is updated more often, Sem or Zelvo?

Sem ships an update every 4 months, and Zelvo every 4 months. Most recently, Sem was updated on November 3, 2026 and Zelvo on October 30, 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.*