# AlmostZero vs Monacker

The clearest difference is monetization model: Monacker at free against AlmostZero's free with in-app purchases. Monacker also leads on review sentiment (100% vs 86%) and rating (5.0 vs 4.8). AlmostZero's advantage is ratings volume (75 vs 9). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. AlmostZero sells 13 in-app purchases, starting at $0.99 per month and Monacker sells 7 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

Monacker 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 9, 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 Monacker's.

AlmostZero ships an update every 2 weeks, Monacker weekly. The most recent releases landed on September 21, 2026 and September 17, 2026 respectively.

## The numbers

| Metric | AlmostZero | Monacker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (75 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews) | **[5.0 (9 ratings)](https://appshunter.io/ios/app/monacker-money-tracker/id6751553582/reviews)** |
| Number of ratings | **75** | 9 |
| Positive reviews | 85.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 224 MB | 8 MB |
| Requires iOS | **26.2** | 27.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) | [Alexander Pygin](https://appshunter.io/developer/1835785033) |

## 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 |


### Monacker

[App page](https://appshunter.io/ios/app/monacker-money-tracker/id6751553582)

Manually track income and expenses with a fast, intuitive interface. Quickly enter transactions, import/export data, and sync securely via iCloud. Customize categories and enjoy a completely ad-free experience.

**Highlights:** Fast transaction entry, Import/export CSV data, iCloud sync for data safety, Customizable categories, Ad-free experience, Quick app loading

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Survival Tip | $0.99 | one-time |
| Struggle Tip | $1.99 | one-time |
| Stability tip | $4.99 | one-time |
| Security Tip | $9.99 | one-time |
| Independence Tip | $19.99 | one-time |
| Freedom Tip | $49.99 | one-time |
| Abundance Tip | $99.99 | one-time |


## Frequently asked questions

### Is AlmostZero free?

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

### Is Monacker free?

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

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

Monacker is rated higher. AlmostZero averages 4.8 out of 5 from 75 ratings, while Monacker averages 5.0 from 9 ratings.

### Do AlmostZero or Monacker have ads?

Neither AlmostZero nor Monacker shows ads.

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

AlmostZero ships an update every 2 weeks, and Monacker weekly. Most recently, AlmostZero was updated on September 21, 2026 and Monacker on September 17, 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.*