# AlmostZero vs Actuali

The clearest difference is in-app purchases: Actuali at none against AlmostZero's 13. Actuali also leads on review sentiment (100% vs 86%) and rating (5.0 vs 4.8). AlmostZero's advantage is ratings volume (75 vs 15). On price, update cadence, ads 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. Actuali asks for nothing beyond the download.

Actuali 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 15, 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 Actuali's.

AlmostZero ships an update every 2 weeks, Actuali every 10 days. The most recent releases landed on October 13, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | AlmostZero | Actuali |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (75 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews) | **[5.0 (15 ratings)](https://appshunter.io/ios/app/actuali/id6764063765/reviews)** |
| Number of ratings | **75** | 15 |
| Positive reviews | 85.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 10 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 224 MB | 17 MB |
| Requires iOS | 26.2 | **18.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) | [Matthew Farrell](https://appshunter.io/developer/1872851717) |

## 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 |


### Actuali

[App page](https://appshunter.io/ios/app/actuali/id6764063765)

Manage your personal finances on the go with this native iOS client for a self-hosted budgeting app. Track expenses, view account balances, and generate reports directly from your iPhone, even offline. Syncs seamlessly with your existing server.

**Highlights:** Budget at a glance, Category budgeting, Log expenses, deposits, transfers, Net worth and spending reports, Offline functionality, Light & Dark mode

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

**In-app purchases:** none


## Frequently asked questions

### Is AlmostZero free?

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

### Is Actuali free?

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

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

Actuali is rated higher. AlmostZero averages 4.8 out of 5 from 75 ratings, while Actuali averages 5.0 from 15 ratings.

### Do AlmostZero or Actuali have ads?

Neither AlmostZero nor Actuali shows ads.

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

AlmostZero ships an update every 2 weeks, and Actuali every 10 days. Most recently, AlmostZero was updated on October 13, 2026 and Actuali 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.*