# Sem vs Expense Tracker

The clearest difference is in-app purchases: Sem at none against Expense Tracker's 2. Sem also leads on device support (3 vs 1) and iOS requirement (12.0 vs 26.0). Expense Tracker's advantage is update cadence (every 3 days vs every 4 months). On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. Expense Tracker sells 2 in-app purchases, starting at $3.99 per month. 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 Expense Tracker. Both are backed by a comparable volume of ratings — 1 and 2 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Sem ships an update every 4 months, Expense Tracker every 3 days. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Sem | Expense Tracker |
| --- | --- | --- |
| 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/expense-tracker-todayexpenses/id6760839670/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 3 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 53 MB | 99 MB |
| Requires iOS | **12.0** | 26.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Mark Mendoza](https://appshunter.io/developer/1700185707) | [Min Thet Maung](https://appshunter.io/developer/1601494778) |

## 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


### Expense Tracker

[App page](https://appshunter.io/ios/app/expense-tracker-todayexpenses/id6760839670)

Effortlessly track daily income and expenses with a notebook-like interface. On-device AI automatically categorizes your entries, and all data is securely stored locally or synced via iCloud. Customize your experience with various page styles and widgets.

**Highlights:** Notebook-style daily expense and income tracking, On-device AI for automatic categorization, Local data storage and private iCloud sync, Customizable page styles, fonts, and currency, Home screen widgets for quick overview, Offline functionality

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $3.99 | per month |
| Yearly | $14.99 | per year |


## Frequently asked questions

### Is Sem free?

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

### Is Expense Tracker free?

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

### Which has better reviews, Sem or Expense Tracker?

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

### Do Sem or Expense Tracker have ads?

Neither Sem nor Expense Tracker shows ads.

### Which is updated more often, Sem or Expense Tracker?

Sem ships an update every 4 months, and Expense Tracker every 3 days. Most recently, Sem was updated on November 3, 2026 and Expense Tracker 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.*