Comparison

Milkii vs Savvy Expense Pro

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

Head to head
About

Milkii

This mobile app provides quick cash loans, asset financing, and airtime loans with transparent terms and flexible repayment options. It offers a simple interest formula for loan costs and a maximum APR of 10%. Users can also make merchant payments easily.

Highlights
  • Cash loans
  • Asset financing
  • Airtime loans
  • Merchant payments
  • Flexible repayment terms
  • Transparent pricing
  • Simple interest formula
Features
Read full description

Mobile micro-loan application in Ethiopia, brought to you by Oromia Bank. Milkii offers cash loans, asset financing, airtime loans, and merchant loans with transparent terms and flexible repayment options. Key Features: Flexible Repayment Terms: Choose from repayment periods ranging from 30 to 180 days, allowing you to repay at your convenience. Transparent Pricing: We use a simple interest formula to calculate loan costs, ensuring full transparency in fees and interest rates. Maximum APR: Our loans have a maximum Annual Percentage Rate (APR) of 10%. We are committed to providing affordable lending solutions. Representative Loan Example: Cash Loan - Milkii Loan Amount: 500 ETB Total Charges: 50 ETB Total Interest: 0 ETB Repayment Period: 30 days Frequency: Monthly Airtime Loan - Milkii Airtime Loan Amount: 25 ETB Total Charges: 0 ETB Total Interest: 0 ETB Repayment Period: 30 days Frequency: Monthly Merchant Payments: Easily pay for goods at Milkii and SantimPay merchants using your loan, enhancing your shopping experience. Commitment to Transparency: At Oromia Bank, we believe in empowering our customers with clear information about loan quality, features, fees, risks, and benefits. We are dedicated to helping you make informed financial decisions.

About

Savvy Expense Pro

Features
Read full description

Savvy Expense Pro helps you spend with intention, track every dollar, set goals, and take control of your finances without the clutter. Spend on Purpose The redesigned dashboard gives you a clear picture of your month at a glance. See how much you've spent, how much is coming in, and where your money is going. All in one clean view. No spreadsheets. No noise. Just the numbers that matter. Plan Ahead, Stay on Track Schedule recurring bills, income, and transfers so they show up before you need to confirm them. Set spending budgets and income targets with visual progress bars that tell you if you're on track or over budget. Get daily reminders to log your transactions so you never lose track. Your Money, Organized Track cash, bank accounts, e-wallets, and credit cards in one place with your total net worth always visible. Tag transactions by merchant, create custom categories, and define your income sources. Everything is searchable, filterable, and yours to export. Built for Real Life Works across iPhone, iPad, and Mac with cloud sync so your data follows you. Sign in with email, Google, or Apple. Light or dark mode. Your data stays encrypted and secure, and you can export or delete it anytime. Version 2 brings a completely redesigned dashboard, planned transaction management, and a more polished experience. If you've been looking for a reason to get your finances in order, this is it!

Screenshots

Milkii4 screens
Savvy Expense Pro4 screens

Verdict

The call

The clearest difference is price: Milkii at Free against Savvy Expense Pro's $1.99. Milkii also leads on iOS requirement (13.0 vs 17.2). On update cadence, ads, in-app purchases and device support 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

Milkii is free to download; Savvy Expense Pro costs $1.99 up front. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Milkii ships an update fortnightly, Savvy Expense Pro every 4 weeks. The most recent releases landed on October 30, 2026 and November 8, 2026 respectively.

Scorecard2 real differences · 7 level
Milkii versus Savvy Expense Pro: the parameters behind the verdict, then further details
ParameterMilkiiSavvy Expense Pro
PriceFree — better$1.99
Rating4.8 (4 ratings) — better—
Number of ratings4 — better—
Update frequencyFortnightly — betterEvery 4 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, Mac
Requires iOS13.0 — better17.2
Further details — not scored
Size54 MB60 MB
Age rating4+4+
DeveloperOROMIA INTERNATIONAL BANKCris Rene Denopol

In-app purchases

None

Milkii

No in-app purchases

None

Savvy Expense Pro

No in-app purchases

Questions

Is Milkii free?
Milkii is free to download, with no in-app purchases.
Is Savvy Expense Pro free?
Savvy Expense Pro costs $1.99, with no in-app purchases.
Do Milkii or Savvy Expense Pro have ads?
Neither Milkii nor Savvy Expense Pro shows ads.
Which is updated more often, Milkii or Savvy Expense Pro?
Milkii ships an update fortnightly, and Savvy Expense Pro every 4 weeks. Most recently, Milkii was updated on October 30, 2026 and Savvy Expense Pro on November 8, 2026.

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