Comparison

Effective Expenses vs Asset Tracker

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

Head to head
About

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.

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
Read full description

# 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) - You’re in control: Review, categorize, and confirm imported transactions. If a notification can’t be read, it’s 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 device’s 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 don’t 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/

About

Asset Tracker

Features
Read full description

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

Effective Expenses4 screens
Asset Tracker4 screens

Verdict

The call

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

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.

Scorecard3 real differences Β· 5 level
Effective Expenses versus Asset Tracker: the parameters behind the verdict, then further details
ParameterEffective ExpensesAsset Tracker
PriceFreeFree
Positive reviews100.0% of reviewsβ€”
Update frequencyEvery 6 weeksβ€”
AdsNo β€” betterYes
In-app purchasesYesNo β€” better
MonetizationFreemiumβ€”
DevicesiPhone, iPadiPhone, iPad, iPod β€” better
Requires iOS26.013.0 β€” better
Further details β€” not scored
Size8 MB22 MB
Age rating4+4+
DeveloperFrancesco Papagnoζ ͺεΌδΌšη€Ύγ‚Ώγ‚€γƒ‹γƒΌγ‚¨γƒ•γ‚©γƒΌγƒˆ

In-app purchases

2 purchases

Effective Expenses

Subscriptions2
  • Monthly subscription$0.491 Month
  • Yearly subscription$4.991 Year
None

Asset Tracker

No in-app purchases

Questions

Is Effective Expenses free?
Effective Expenses is free to download, with in-app purchases available.
Is Asset Tracker free?
Asset Tracker is free to download, with no in-app purchases.
Do Effective Expenses or Asset Tracker have ads?
Asset Tracker shows ads; Effective Expenses does not.

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