# Effective Expenses vs Koby

The clearest difference is ads: Effective Expenses at none against Koby's shown. Koby's advantage is update cadence (weekly vs fortnightly). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Both are free to download. Effective Expenses sells 2 in-app purchases, starting at $0.49 per month and Koby sells 6 in-app purchases, starting at $3.99 per 7 days. Whichever you choose, the download price is not the number that matters.

Effective Expenses ships an update fortnightly, Koby weekly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Effective Expenses | Koby |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | Freemium | — |
| Size | 8 MB | 24 MB |
| Requires iOS | 26.0 | 26.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Francesco Papagno](https://appshunter.io/developer/1767909079) | [Grigorii Merkushev](https://appshunter.io/developer/1816588678) |

## What reviewers say

### Effective Expenses

[App page](https://appshunter.io/ios/app/effective-expenses/id6677000206)

Easily track your income and expenses with a built-in calculator and smart pickers. Automate transaction imports from Apple Wallet and gain clear financial insights through customizable charts and analytics. Organize your finances with custom accounts and categories.

**Highlights:** Log income and expenses, Recurring transaction scheduling, Apple Wallet transaction import, Customizable accounts and categories, Financial analytics and charts, Home screen widgets, Built-in calculator

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly subscription | $0.49 | per month |
| Yearly subscription | $4.99 | per year |


### Koby

[App page](https://appshunter.io/ios/app/koby-finance-tracker/id6759933556)

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

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Daily Shopper | $3.99 | per 7 days |
| Pro Weekly | $7.99 | per 7 days |
| Daily Shopper | $8.99 | per month |
| Pro Monthly | $18.99 | per month |
| Daily Shopper | $99.99 | per year |
| Pro Yearly | $189.99 | per year |


## Frequently asked questions

### Is Effective Expenses free?

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

### Is Koby free?

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

### Do Effective Expenses or Koby have ads?

Koby shows ads; Effective Expenses does not.

### Which is updated more often, Effective Expenses or Koby?

Effective Expenses ships an update fortnightly, and Koby weekly. Most recently, Effective Expenses was updated on October 24, 2026 and Koby on October 25, 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.*