Effective Expenses vs Asset Tracker
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
Effective Expenses
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.
- 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
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# Expense & Income Tracking Keep expenses and income together, from your morning coffee to your monthly salary. - Recurring transactions: Schedule rent, subscriptions, payday, and more, with repeats from daily to yearly, including every 2 weeks. - Upcoming transactions: See scheduled transactions in a dedicated view. - Screenshot entry: Choose a screenshot or receipt photo to fill in a new transaction. - Share to Expenses: Create a transaction from a screenshot shared from another app. - Built-in calculator: Do quick math in the amount field. - Smart pickers: Create accounts and categories while adding a transaction. - Bulk actions: Select multiple transactions to delete or recategorize them together. # Automatic Import with Shortcuts Bring in transactions from Apple Wallet and payment notifications with Shortcuts automations. - Apple Wallet: Set up an automation in Shortcuts to send Wallet transactions to Expenses. - Payment notifications: Send notifications from your banking apps to Expenses, and the on-device model turns them into transactions. Card and account numbers are hidden before reading. (Requires iOS 27) - Youβre in control: Review, categorize, and confirm imported transactions. If a notification canβt be read, itβs kept for you to review or retry. # Accounts & Categories Organize your finances with accounts and categories that fit your needs. - Transfers: Move money between accounts in one step. Transfers stay out of your income, expenses, and reports. - Opening balances: Start an account from its current balance and see it grow from there. - Dedicated views: Browse accounts and categories, with income and expense categories kept separate. - Category cards: See your categories at a glance in a grid. - Sorting: Sort categories by name, total amount, or transaction count. - Customization: Give accounts and categories their own colors and emojis. - Category exclusion: Leave selected categories out of analytics. # Analytics & Reports See where your money goes and explore the trends that matter to you. - Time periods: Choose a period and compare it with the previous one. - Custom reports: Create reports for spending trends, top expenses, recurring costs, and more. - Your favorites: Pin reports to Analytics and choose a compact or full-width view. - Account and category insights: Explore charts and spending trends in each account or category. - Monthly overview: See expense and income totals on the Home tab. - Assistant: Ask questions about your finances on devices that support Apple Intelligence. # Home Screen Widgets Check your spending or savings at a glance. - Customizable totals: Choose yearly, monthly, or weekly views. - Dark Mode: Widgets match your deviceβs appearance. # Fast & Intuitive Interface Use swipe actions and context menus to manage accounts, categories, and transactions. - Unified search: Find transactions, accounts, and categories in one place. - Search filters: Narrow transactions by account, category, or date. # Settings Tailor Expenses to the way you track your money. - Flexible features: Turn off income tracking, accounts, or charts if you donβt need them. - Daily reminders: Get a prompt to log your transactions. - Backup and import: Save and restore your data, including custom reports. # Your Language Use Expenses in English, Italian, French, German, Spanish, Portuguese, Hungarian, Hindi, Japanese, Korean, Chinese (Simplified and Traditional), or Arabic. # Dark Mode Enjoy a clear interface day or night with full Dark Mode support. # iCloud Sync Keep your data up to date across your Apple devices. - Sync status: Check your iCloud setup and sync status in Settings. # Terms of Use (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Asset Tracker
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Asset Tracker helps you record your assets and liabilities, log balance changes, and visualize your net worth over time. Add holdings, organize them with categories, colors, and icons, and keep a history of each value change. The home screen shows your assets, liabilities, and net worth at a glance, with trend charts to help you review changes over time. You can edit holdings, add history entries, archive items, restore them, and manage categories separately. The app also supports option targets for holdings and lets you review details like current value, previous value, change rate, high, and low values. Your data stays on your device. No login, no bank connection, and no network access are required. You can create a backup file, restore from a backup, choose light, dark, or system theme, and start with sample data or from scratch.
Screenshots
Verdict
The clearest difference is in-app purchases: Asset Tracker at none against Effective Expenses's 2. Asset Tracker also leads on iOS requirement (13.0 vs 26.0). Effective Expenses's advantage is ads (none vs shown). On price and device support there is nothing between them.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Effective Expenses sells 2 in-app purchases, starting at $0.49 per month. Asset Tracker asks for nothing beyond the download.
| Parameter | Effective Expenses | Asset Tracker |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | β |
| Update frequency | Every 6 weeks | β |
| Ads | No β better | Yes |
| In-app purchases | Yes | No β better |
| Monetization | Freemium | β |
| Devices | iPhone, iPad | iPhone, iPad, iPod β better |
| Requires iOS | 26.0 | 13.0 β better |
| Further details β not scored | ||
| Size | 8 MB | 22 MB |
| Age rating | 4+ | 4+ |
| Developer | Francesco Papagno | ζ ͺεΌδΌη€ΎγΏγ€γγΌγ¨γγ©γΌγ |
In-app purchases
Effective Expenses
- Monthly subscription$0.491 Month
- Yearly subscription$4.991 Year
Asset Tracker
No in-app purchases
Questions
Is Effective Expenses free?
Is Asset Tracker free?
Do Effective Expenses or Asset Tracker have ads?
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