Comparison

Budget Zero vs Simple Simple Spending Tracker

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Budget Zero

This app helps you manage your money privately using a zero-based envelope budgeting system. It allows manual transaction logging without linking bank accounts, offering a distraction-free interface and offline functionality.

Highlights
  • Zero-based envelope budgeting
  • Private, no bank linking
  • Manual transaction logging
  • Offline functionality
  • Budget rollover
  • iCloud sync
  • Dark mode support
Features
Read full description

The budgeting app that respects your wallet AND your privacy. Budget Zero uses zero-based envelope budgeting to give every dollar a job, without linking your bank account or tracking your data. Try Budget Zero Pro free for a month, or pay once with Lifetime and skip the subscription. WHY BUDGET ZERO? • Affordable - A fraction of the cost of other budgeting apps. • Private - No bank linking. No data selling. Your finances stay yours. • Simple - Manual entry keeps you mindful of every transaction • Powerful - Full envelope budgeting, with leftover money that rolls into next month HOW IT WORKS 1. Add your accounts (checking, savings, credit cards, cash) 2. Create budget categories and organize them into groups 3. Assign dollars to each category every month 4. Log transactions and watch your budget update in real time 5. Reach zero - every dollar has a job FEATURES • Zero-based envelope budgeting system • Import your budget from YNAB: accounts, categories, transactions and balances • Multiple account support (checking, savings, credit, cash) • Monthly budget periods with easy month-to-month navigation • Rollover: unspent money carries into the next month, and you can move it to another budget • Budget groups for organized category management • Transaction tracking with payee, date, and category, plus transfers between accounts • Budgets filled in from each payee's last transaction • Credit card payment budgets that keep card spending covered • iCloud-synced across your devices • Works offline - no internet required to budget • Clean, distraction-free interface • Dark mode support BUDGET ZERO PRO Pro unlocks unlimited budgets, accounts and transactions. Start with a free month on the monthly or yearly plan, or buy Lifetime once and keep Pro forever. Either way, it costs a fraction of what other budgeting apps charge. Take control of your money. Download Budget Zero today. About Subscriptions: • Subscription Name: Budget Zero Pro • Subscription Length: 1 Month or 1 Year (Auto-renewable) • Subscription Price: shown in your local currency on the App Store before purchase • Free Trial: the monthly and yearly plans start with a 1-month free trial for eligible new subscribers. Unless you cancel at least 24 hours before the trial ends, the subscription starts and renews automatically. • Lifetime: a one-time purchase that unlocks Budget Zero Pro permanently. It does not renew. Price shown in your local currency on the App Store before purchase. • Payment will be charged to your Apple Account at confirmation of purchase. • Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. • Your account will be charged for renewal within 24 hours prior to the end of the current period. • You can manage or turn off auto-renew in your Apple Account Settings at any time after purchase. Links: • Privacy Policy: https://budgetzeroapp.com/privacy • Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Simple Simple Spending Tracker

Features
Read full description

Take control of your money — without the hassle. Simple Simple Spending Tracker makes it effortless to track expenses, scan receipts, and understand where your money goes. Everything you need, all in one place. KEY FEATURES • Log expenses and income in seconds • Scan receipts instantly with AI • See your balance at a glance (day, week, or month) • Understand your spending with clear, color-coded insights • View expenses by date with an easy calendar view • Export your data anytime (CSV) • Customize categories to fit your lifestyle • Use with or without an account PREMIUM • Unlimited receipt scanning • Full access to your spending history • Automatic Gmail receipt import Start for free. No setup. Just open and go.

Screenshots

Budget Zero4 screens
Simple Simple Spending Tracker4 screens

Verdict

The call

The clearest difference is ads: Budget Zero at none against Simple Simple Spending Tracker's shown. Budget Zero also leads on update cadence (every 3 days vs every 10 days). Simple Simple Spending Tracker's advantage is iOS requirement (15.1 vs 18.0). On price, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Budget Zero sells 3 in-app purchases, starting at $3.99 per month and Simple Simple Spending Tracker sells 1 in-app purchase, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Budget Zero ships an update every 3 days, Simple Simple Spending Tracker every 10 days. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

Scorecard3 real differences · 7 level
Budget Zero versus Simple Simple Spending Tracker: the parameters behind the verdict, then further details
ParameterBudget ZeroSimple Simple Spending Tracker
PriceFreeFree
Rating4.3 (6 ratings) — better—
Positive reviews75.0% of reviews—
Number of ratings6 — better—
Update frequencyEvery 3 days — betterEvery 10 days
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.015.1 — better
Further details — not scored
Size21 MB41 MB
Age rating4+4+
DeveloperGrey Park, LLCAkito SUZUKI

In-app purchases

3 purchases

Budget Zero

Subscriptions2
  • Monthly Subscription1 Month trial$3.991 Month
  • Yearly Subscription1 Month trial$29.991 Year
One-time1
  • Lifetime Access$79.99
1 purchases

Simple Simple Spending Tracker

Subscriptions1
  • Premium$3.991 Month

Questions

Is Budget Zero free?
Budget Zero is free to download, with in-app purchases available.
Is Simple Simple Spending Tracker free?
Simple Simple Spending Tracker is free to download, with in-app purchases available.
Do Budget Zero or Simple Simple Spending Tracker have ads?
Simple Simple Spending Tracker shows ads; Budget Zero does not.
Which is updated more often, Budget Zero or Simple Simple Spending Tracker?
Budget Zero ships an update every 3 days, and Simple Simple Spending Tracker every 10 days. Most recently, Budget Zero was updated on November 5, 2026 and Simple Simple Spending Tracker on October 31, 2026.

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