Comparison

Luna vs SplitCircle AI Expense Tracker

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

Head to head
About

Luna

This app offers a manual expense tracking experience focused on curbing spending. It prioritizes a user-friendly interface and includes widgets and notifications to encourage consistent habit formation.

Highlights
  • Manual expense tracking
  • Spending curbing focus
  • User-friendly interface
  • Lockscreen/homescreen widgets
  • Reminder notifications
  • 14-day free trial
Features
Read full description

Luna is a budgeting app designed to help people curb spending and is built on 2 core principles - Completely manual (for your own good) - An incredible user experience (so that you don't mind it being so manual) We also have a lockscreen/homescreen widget + reminder notifications to help you get in the habit of tracking :) Try Luna for 14 days and then get a Luna Subscription for $4.99/mo ($49.99/yr or $149.99 lifetime) Learn more at https://lunabudgeting.com/ Terms of Service: https://lunabudgeting.com/tos Privacy Policy: https://lunabudgeting.com/privacy-policy

About

SplitCircle AI Expense Tracker

Read full description

Split Circle is an AI-powered expense manager designed for shared expenses. Split bills, track spending, scan receipts, manage budgets, and settle balances with friends, roommates, couples, families, and travel groups. Powered by AI, Split Circle helps reduce manual work and keeps shared expenses organized in one place. WHY CHOOSE SPLIT CIRCLE? • AI Expense Assistant — Add expenses, ask questions, and manage spending using natural language. • AI Receipt Scanner — Scan receipts and automatically extract amounts, merchants, and dates. • Flexible Bill Splitting — Split expenses equally, by amount, percentage, shares, or individual items. • Simplified Settlements — Reduce the number of payments required to settle group balances. • Budget Management — Create budgets and monitor spending in real time. • Offline Support — Add expenses without an internet connection and sync later. • Multi-Currency Support — Track expenses across different currencies for travel and international groups. • Privacy & Security — Protect your data with Face ID, Touch ID, PIN protection, and biometric authentication. SHARED EXPENSE TRACKING Track expenses across all your circles and keep balances organized in one place. FLEXIBLE BILL SPLITTING • Equal • Exact Amount • Percentage • Shares • Items Support multiple payers and backdated expenses. OFFLINE SUPPORT Add expenses while traveling or when you don't have internet access. Your data syncs automatically when you're back online. SIMPLIFIED SETTLEMENTS Split Circle calculates settlement paths that can reduce the number of transactions between group members. RECEIPT SCANNING Attach photos to expenses. Pro includes OCR receipt scanning that can extract receipt details such as amount, merchant, and date. BUDGET TEMPLATES • Household • Travel • Wedding • Event • Business Trip • Monthly Groceries • Vacation • Birthday Party • Student • Fitness 60+ CURRENCIES Track expenses across different countries and regions. DATA IMPORT Import groups using CSV, including expenses, balances, and members. APP SECURITY • PIN Lock • Face ID • Touch ID • Fingerprint Authentication • Auto-Lock Options PERFECT FOR • Roommates • Friends • Couples • Families • Students • Travel Groups SPLIT CIRCLE PRO • AI Expense Assistant • OCR Receipt Scanning • Itemized Bill Splitting • Recurring Expenses • Personal Budgets • Group Budgets • Budget Approval Inbox • Advanced Analytics SUBSCRIPTION OPTIONS Split Circle is free to use with optional paid plans: • Split Circle Pro Monthly • Split Circle Pro Annual • Split Circle Pro Lifetime • Payment will be charged to your Apple Account at confirmation of purchase. • Subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current subscription period. • Your account will be charged for renewal within 24 hours before the end of the current subscription period. • Subscriptions may be managed and auto-renewal turned off in Apple Account Settings after purchase. • Split Circle can continue to be used without a subscription. Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Use: https://split-circle.com/en/terms Privacy Policy: https://split-circle.com/en/privacy

Screenshots

Luna4 screens
SplitCircle AI Expense Tracker4 screens

Verdict

The call

The clearest difference is iOS requirement: SplitCircle AI Expense Tracker at 15.1 against Luna's 17.0. On price, update cadence, ads and in-app purchases 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. Luna sells 3 in-app purchases, starting at $4.99 per month and SplitCircle AI Expense Tracker sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Luna ships an update every 5 days, SplitCircle AI Expense Tracker every 4 days. The most recent releases landed on September 23, 2026 and September 18, 2026 respectively.

Scorecard1 real difference · 9 level
Luna versus SplitCircle AI Expense Tracker: the parameters behind the verdict, then further details
ParameterLunaSplitCircle AI Expense Tracker
PriceFreeFree
Rating4.6 (20 ratings) — better—
Positive reviews83.3% of reviews—
Number of ratings20 — better—
Update frequencyEvery 5 daysEvery 4 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone, iPod — better
Requires iOS17.015.1 — better
Further details — not scored
Size101 MB55 MB
Age rating4+4+
DeveloperAloaLabs, LLCSEVENTYTHREE LINES DEVELOPMENT PRIVATE LIMITED

In-app purchases

3 purchases

Luna

Subscriptions2
  • Monthly Subscription$4.991 Month
  • Luna Yearly Subscription$49.991 Year
One-time1
  • Luna Lifetime Access$149.99
3 purchases

SplitCircle AI Expense Tracker

Subscriptions2
  • Pro Monthly$0.991 Month
  • Pro Annual$5.991 Year
One-time1
  • Pro Access$14.99

Questions

Is Luna free?
Luna is free to download, with in-app purchases available.
Is SplitCircle AI Expense Tracker free?
SplitCircle AI Expense Tracker is free to download, with in-app purchases available.
Do Luna or SplitCircle AI Expense Tracker have ads?
Neither Luna nor SplitCircle AI Expense Tracker shows ads.
Which is updated more often, Luna or SplitCircle AI Expense Tracker?
Luna ships an update every 5 days, and SplitCircle AI Expense Tracker every 4 days. Most recently, Luna was updated on September 23, 2026 and SplitCircle AI Expense Tracker on September 18, 2026.

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