# AlmostZero vs Saveo

The clearest difference is ads: AlmostZero at none against Saveo's shown. AlmostZero also leads on ratings volume (75 vs 4). Saveo's advantage is review sentiment (100% vs 86%) and rating (5.0 vs 4.8). On price, update cadence, in-app purchases and monetization model there is nothing between them.

Both are free to download. AlmostZero sells 13 in-app purchases, starting at $0.99 per month and Saveo sells 3 in-app purchases, starting at $12.99 per month. Whichever you choose, the download price is not the number that matters.

Saveo holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: AlmostZero has 75 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 86% of AlmostZero's written reviews are positive against 100% of Saveo's.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 13, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | AlmostZero | Saveo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (75 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/saveobudget-and-expense-tracker/id6747456269/reviews)** |
| Number of ratings | **75** | 4 |
| Positive reviews | 85.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 224 MB | 106 MB |
| Requires iOS | 26.2 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) | [Saveo Technologies Inc.](https://appshunter.io/developer/1821527998) |

## What reviewers say

### AlmostZero

[App page](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024)

Manage all your debts, track spending, and set savings goals. Visualize your financial progress with clear charts and utilize proven repayment strategies to become debt-free faster. Gain a comprehensive view of your finances by linking debts to assets and access helpful financial education.

**Highlights:** Debt & Loan Management, Expense Tracking, Savings Goals, Link to Assets, Repayment Strategies (Snowball/Avalanche), Financial Education, Multiple Currencies

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

**In-app purchases (13)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Pro | $0.99 | per month |
| AlmostZero Pro Monthly | $4.99 | per month |
| AlmostZero Pro Yearly | $29.99 | per year |
| Tip | $0.99 | one-time |
| Tip | $2.99 | one-time |
| Tip | $3.99 | one-time |
| Tip | $5.99 | one-time |
| Tip | $7.99 | one-time |
| Tip | $12.99 | one-time |
| Lifetime Pro | $14.99 | one-time |
| Tip | $14.99 | one-time |
| Steak Dinner sized Tip | $19.99 | one-time |
| Lifetime AlmostZero Pro | $49.99 | one-time |


### Saveo

[App page](https://appshunter.io/ios/app/saveobudget-and-expense-tracker/id6747456269)

This app simplifies money management by automatically tracking expenses and categorizing transactions using AI. It helps users create personalized budgets, monitor spending with visual insights, and achieve financial goals through secure bank account syncing.

**Highlights:** AI-powered transaction categorization, Automated expense tracking, Secure bank account syncing, Personalized budget creation, Visual spending insights, Subscription tracking

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Saveo Premuim | $12.99 | per month |
| Saveo Premium Annual | $59.99 | per year |
| Saveo Premium Lifetime | $199.00 | one-time |


## Frequently asked questions

### Is AlmostZero free?

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

### Is Saveo free?

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

### Which has better reviews, AlmostZero or Saveo?

Saveo is rated higher. AlmostZero averages 4.8 out of 5 from 75 ratings, while Saveo averages 5.0 from 4 ratings.

### Do AlmostZero or Saveo have ads?

Saveo shows ads; AlmostZero does not.

### Which is updated more often, AlmostZero or Saveo?

AlmostZero ships an update every 2 weeks, and Saveo every 2 weeks. Most recently, AlmostZero was updated on October 13, 2026 and Saveo on October 9, 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.*