Comparison

Realtime Budget Money Tracker vs Chipp

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

Head to head
About

Realtime Budget Money Tracker

This finance app offers a unique approach to budgeting by showing your available funds increase in real-time as seconds pass. It focuses on simplicity and speed for logging expenses, providing motivation to save and stay in control of your spending.

Highlights
  • Real-time budget growth visualization
  • Fast expense logging
  • Simple and intuitive interface
  • Apple Watch app with complications
  • Intelligent savings advisors
  • 100% local data storage
Features
Read full description

Watch your budget grow with every passing second. A completely new approach that motivates you to take control of your finances. Realtime Budget is a simple yet powerful app that helps you save money and stay on top of your spending. Unlike traditional budget trackers, Realtime Budget lets you set a daily budget and watch it increase in real time — second by second. Every moment you don't spend is a moment you can see your savings grow. Designed for speed and simplicity, logging an expense takes just a few taps. No complicated setup, no cluttered interfaces — just you and your budget, always moving forward. Now available on Apple Watch with complications support — check your budget right from your wrist without ever opening your phone. - Real-time motivation: every second you don't spend, your budget visibly grows. - Optimized for lightning-fast expense entries. - Designed to be as simple as possible. - Apple Watch app with complications for your watch face. - Intelligent advisors help you save smarter. - Your data stays on your device — 100% local storage. - No account required. - 100% free. No ads.

About

Chipp

Effortlessly track, split, and settle group expenses with a lightning-fast interface. Manage shared living costs, travel bills, and dinner receipts with ease. Settle up instantly with friends, all within one convenient app.

Highlights
  • Tap-to-split interface
  • Find friends nearby
  • Create shared expense groups
  • Split rent and utilities
  • Manage travel expenses
  • Scan receipts for dinner bills
  • Handle partial splits
Features
Read full description

Chipp is a lightning-fast way to split and settle group expenses effortlessly. With its unique tap-to-split interface and the ability to find friends nearby, settling share expenses is effortless. Whether you're splitting rent, dining out, or managing small purchases with friends, track what’s owed, see who owes whom, and pay back instantly—all with just one swipe. GROUP EXPENSE APP MADE SIMPLE Create and manage shared expense groups for any situation—whether it's a weekend getaway, a shared apartment, or a birthday dinner. Easily track bills and expenses and settle up in real time, all in one place. SPLIT RENT WITH ROOMMATES Avoid awkward convos about utilities, Wi-Fi, or groceries. Chipp makes it easy to manage recurring rent splits and shared living costs with roommates, so everyone pays their fair share—no chasing needed. TRAVEL EXPENSE SHARING FOR FRIEND GROUPS Plan your next group trip without worrying about the money. Chipp lets you log expenses as you go and settle everything up with one swipe at the end of the vacation. No more spreadsheets or payment confusion. DINNER BILL SPLITTING WITHOUT THE MATH Out to eat with a group? Scan the receipt, split items or total evenly or unequally, and settle instantly. No more guesswork, mental math, or awkward waiting for your friends to pay you back. SHARED SUBSCRIPTION EXPENSE MANAGER Easily track and divide monthly charges for shared subscriptions like Netflix, Spotify, YouTube Premium, or HBO. Chipp helps keep shared entertainment budgets clean and clear. HANDLE PARTIAL SPLITS IN GROUP EXPENSES Custom-split every expense based on who paid and who participated. You can split by percentage, share, or amount—ideal for when one friend joins late or skips a round.

Screenshots

Realtime Budget Money Tracker3 screens
Chipp4 screens

Verdict

The call

The clearest difference is rating: Realtime Budget Money Tracker at 5.0 against Chipp's 4.4. Chipp's advantage is ratings volume (16 vs 3) and iOS requirement (13.0 vs 15.6). On price, review sentiment, update cadence and ads 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Realtime Budget Money Tracker holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: Chipp has 16 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 86% of Realtime Budget Money Tracker's written reviews are positive against 78% of Chipp's.

UpkeepUpdate frequency

Realtime Budget Money Tracker ships an update every 2 weeks, Chipp fortnightly. The most recent releases landed on August 31, 2026 and June 11, 2026 respectively.

Scorecard3 real differences · 7 level
Realtime Budget Money Tracker versus Chipp: the parameters behind the verdict, then further details
ParameterRealtime Budget Money TrackerChipp
PriceFreeFree
Rating5.0 (3 ratings) — better4.4 (16 ratings)
Positive reviews85.7% of reviews — better77.8% of reviews
Number of ratings316 — better
Update frequencyEvery 2 weeks — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod, Apple WatchiPhone, iPad, iPod
Requires iOS15.613.0 — better
Further details — not scored
Size86 MB116 MB
Age rating4+4+
DeveloperJirko CernikChipp LLC

Customer experience

Realtime Budget Money Tracker

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews7 reviews
Positive85.7%
Neutral14.3%
Negative0.0%

Chipp

All ratings16 ratings
Positive87.5%
Neutral0.0%
Negative12.5%
Written reviews9 reviews
Positive77.8%
Neutral0.0%
Negative22.2%

In-app purchases

None

Realtime Budget Money Tracker

No in-app purchases

None

Chipp

No in-app purchases

Questions

Is Realtime Budget Money Tracker free?
Realtime Budget Money Tracker is free to download, with no in-app purchases.
Is Chipp free?
Chipp is free to download, with no in-app purchases.
Which has better reviews, Realtime Budget Money Tracker or Chipp?
Realtime Budget Money Tracker is rated higher. Realtime Budget Money Tracker averages 5.0 out of 5 from 3 ratings, while Chipp averages 4.4 from 16 ratings.
Do Realtime Budget Money Tracker or Chipp have ads?
Neither Realtime Budget Money Tracker nor Chipp shows ads.
Which is updated more often, Realtime Budget Money Tracker or Chipp?
Realtime Budget Money Tracker ships an update every 2 weeks, and Chipp fortnightly. Most recently, Realtime Budget Money Tracker was updated on August 31, 2026 and Chipp on June 11, 2026.

Other comparisons