# BudgetAI vs InstaLedger

The clearest difference is ads: BudgetAI at none against InstaLedger's shown. BudgetAI also leads on update cadence (every 3 days vs every 6 weeks). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Both are free to download. BudgetAI sells 5 in-app purchases, starting at $0.99 per month and InstaLedger sells 8 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

BudgetAI ships an update every 3 days, InstaLedger every 6 weeks. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | BudgetAI | InstaLedger |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 3 days** | Every 6 weeks |
| Monetization | Free with in-app purchases | — |
| Size | 42 MB | 38 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Chih-Kai Chang](https://appshunter.io/developer/1328216396) | [HSIN YU TSAI](https://appshunter.io/developer/1846677890) |

## What reviewers say

### BudgetAI

[App page](https://appshunter.io/ios/app/budgetai-expense-tracker/id6740517749)

Effortlessly track your income and expenses with this AI-powered bookkeeping app. Use voice commands or smart function calls to record transactions and gain instant financial insights through clear charts and practical widgets.

**Highlights:** AI-powered financial tracking, Voice command transaction recording, Smart function calls for data entry, Intuitive design with dark mode, Clear income and expense charts, Practical financial widgets, Taiwan e-Invoice Carrier tool

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| A big thanks | $0.99 | per month |
| A big thanks | $9.99 | per year |
| Support the creator | $0.99 | one-time |
| Support the creator | $3.99 | one-time |
| Say goodbye to AD forever | $9.99 | one-time |


### InstaLedger

[App page](https://appshunter.io/ios/app/instaledger/id6754100709)

**Features:** macOS Compatibility

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| BASIC | $1.99 | per month |
| PRO | $9.99 | per month |
| BASIC | $19.99 | per year |
| PRO | $99.99 | per year |
| chat credit 300 | $0.99 | one-time |
| 500 ledger beans | $1.99 | one-time |
| 1000 ledger beans | $2.99 | one-time |
| 2000 ledger beans | $5.99 | one-time |


## Frequently asked questions

### Is BudgetAI free?

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

### Is InstaLedger free?

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

### Do BudgetAI or InstaLedger have ads?

InstaLedger shows ads; BudgetAI does not.

### Which is updated more often, BudgetAI or InstaLedger?

BudgetAI ships an update every 3 days, and InstaLedger every 6 weeks. Most recently, BudgetAI was updated on November 4, 2026 and InstaLedger on November 5, 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.*