# MoMo App vs Budge AI

The clearest difference is rating: Budge AI at 5.0 against MoMo App's 3.5. MoMo App's advantage is in-app purchases (none vs 3) and ratings volume (1.4K vs 1). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Budge AI sells 3 in-app purchases, starting at $4.99 per month. MoMo App asks for nothing beyond the download.

Budge AI holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: MoMo App has 1.4K ratings behind it against 1, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 25, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | MoMo App | Budge AI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (1.4K ratings)](https://appshunter.io/ios/app/momo-app/id6532622230/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/budge-ai-expense-tracker/id6745526221/reviews)** |
| Number of ratings | **1.4K** | 1 |
| Positive reviews | 22.3% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Best chart rank | **#174** | — |
| Size | 90 MB | 114 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [MTN FINTECH(PTY) LTD](https://appshunter.io/developer/1756760151) | [Rejenga](https://appshunter.io/developer/1812305996) |

## What reviewers say

### MoMo App

[App page](https://appshunter.io/ios/app/momo-app/id6532622230)

**Currently charting:** #174 Top Free · Finance (US App Store)

Manage all your finances in one place with this comprehensive financial app. It offers secure login, money transfers, bill payments, loans, and virtual cards for convenient transactions and online shopping.

**Highlights:** All financial needs in one place, Secure biometric login, Send and receive money, Instant bill payments, Access loans and advances, Virtual card for online shopping, Scan and pay with QR codes

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast transactions
- 💡 Innovative features
- 👍 User-friendly interface

**What reviewers complain about**

- 🐛 Bugs and glitches
- 🔒 Security issues
- 🔋 Performance problems
- 👎 Poor user experience

**Reported bugs**

- OTP generation failure
- Verification link issues
- Inability to log in
- Unresponsive app features
- Incompatibility with eSIM

**Requested features**

- Add YelloSave feature
- Improve verification process
- Integrate more services
- Allow profile picture customization
- Optimize app performance


### Budge AI

[App page](https://appshunter.io/ios/app/budge-ai-expense-tracker/id6745526221)

Effortlessly track your spending by automatically logging transactions from SMS and email receipts. This AI-powered tool helps you build smarter budgets, understand your financial trends, and get personalized insights without needing your bank password.

**Highlights:** Automatic expense tracking from SMS/email, AI-powered budgeting and insights, Receipt scanning with auto-extraction, Privacy-focused design, no bank passwords, Daily, weekly, monthly spending breakdowns, Smart budget alerts

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Budge Pro Monthly | $4.99 | per month |
| Budge Pro Monthly | $4.99 | per month |
| Budge Pro Yearly | $49.99 | per year |


## Frequently asked questions

### Is MoMo App free?

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

### Is Budge AI free?

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

### Which has better reviews, MoMo App or Budge AI?

Budge AI is rated higher. MoMo App averages 3.5 out of 5 from 1.4K ratings, while Budge AI averages 5.0 from 1 ratings.

### Do MoMo App or Budge AI have ads?

Neither MoMo App nor Budge AI shows ads.

### Which is updated more often, MoMo App or Budge AI?

MoMo App ships an update monthly, and Budge AI monthly. Most recently, MoMo App was updated on October 25, 2026 and Budge AI on October 19, 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.*