# Sem vs Expense Tracker

The clearest difference is in-app purchases: Sem at none against Expense Tracker's 2. Expense Tracker's advantage is update cadence (every 2 weeks vs every 4 months). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Expense Tracker sells 2 in-app purchases, starting at $12.99 per month. Sem asks for nothing beyond the download.

Sem ships an update every 4 months, Expense Tracker every 2 weeks. The most recent releases landed on October 11, 2026 and October 6, 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)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 weeks** |
| Monetization | Free | — |
| Size | 53 MB | 48 MB |
| Requires iOS | **12.0** | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Mark Mendoza](https://appshunter.io/developer/1700185707) | [Hemant Kumar](https://appshunter.io/developer/1853524025) |

## 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-bill-planner/id6762062334)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month Plan | $12.99 | per month |
| Annual Subscription | $89.99 | 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.

### 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 2 weeks. Most recently, Sem was updated on October 11, 2026 and Expense Tracker on October 6, 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.*