# AlmostZero vs Settl

The clearest difference is update cadence: AlmostZero at every 2 weeks against Settl's every 2 months. Settl's advantage is iOS requirement (15.1 vs 26.2). 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 Settl sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

AlmostZero ships an update every 2 weeks, Settl every 2 months. The most recent releases landed on October 25, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | AlmostZero | Settl |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (78 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews)** | — |
| Number of ratings | **78** | — |
| Positive reviews | 85.7% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | — |
| Size | 224 MB | 45 MB |
| Requires iOS | 26.2 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) | [Devanshu Ruhela](https://appshunter.io/developer/1892254742) |

## 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 |


### Settl

[App page](https://appshunter.io/ios/app/settl-split-bills-and-expenses/id6761974656)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Settl Pro Monthly | $4.99 | per month |
| Settl Pro Yearly | $49.99 | per year |
| Settl Pro Lifetime | $49.99 | one-time |


## Frequently asked questions

### Is AlmostZero free?

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

### Is Settl free?

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

### Do AlmostZero or Settl have ads?

Neither AlmostZero nor Settl shows ads.

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

AlmostZero ships an update every 2 weeks, and Settl every 2 months. Most recently, AlmostZero was updated on October 25, 2026 and Settl on October 16, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*