Comparison

Moni vs Float

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

Head to head
About

Moni

Effortlessly track your income and expenses without complex budgeting or bank connections. Gain instant insights into your spending habits with custom categories and receipt scanning. Make smarter financial decisions with a simple, intuitive interface.

Highlights
  • Fast expense tracking
  • Instant spending insights
  • Receipt photo scanning
  • No bank account linking
  • Customizable spending categories
  • Simple and intuitive interface
Features
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Moni: Income & Expense Tracker Managing your money shouldn’t feel like a chore. Moni makes tracking your expenses fast, simple, and intuitive - no complicated budgeting, no bank connections, just a clear view of where your money goes. Why Moni? Track in Seconds - Just enter your expense, and you’re done! Instant Insights - Get clear and detailed stats for the day, month, or year. Scan & Save - Snap a photo of a receipt or upload a screenshot to auto-create a transaction. No Banks, No Hassle - Keep full control without linking any accounts. Custom Categories - Organize your spending your way. Simple. Smart. Effective. You don’t need a finance degree to stay on top of your spending. Moni helps you make better financial decisions without the stress. Try Moni for free and take control of your money today! Subscription Information: Moni offers flexible premium plans for full access: • Monni Monthly Subscription - Unlock all premium features. Billed monthly. • Moni Annual Subscription - Get a discount by paying yearly. Billed annually. Payment & Auto-Renewal Terms • Payment is charged to your Apple ID account at purchase confirmation. • Subscriptions renew automatically unless canceled at least 24 hours before the renewal date. • Manage or cancel anytime in Settings → Apple ID → Subscriptions. • If you subscribe before a free trial ends, the remaining trial period is forfeited. Privacy Policy: https://docs.google.com/document/u/0/d/1nEnXsgTj2zgckqQIFYDrms_FWrU1q4XiyYexCvZG2aQ/ Terms of Use: https://docs.google.com/document/u/0/d/1nEnXsgTj2zgckqQIFYDrms_FWrU1q4XiyYexCvZG2aQ/ Terms of Use (EULA): Apple’s Standard EULA https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Float

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The #1 personal finance tracking app that works fully offline and never asks for bank access. Float makes it effortless to track your daily spending from contactless payments using Apple Shortcuts.  • No bank linking.  • No syncing delays.  • No privacy compromises. Why Float? Float is the easiest, most private way to see how much you've spent today — instantly. Whether you're tapping your card or adding an expense manually, Float updates in real time and works fully offline. → Track Spending Automatically Log transactions directly from Apple Wallet using Shortcuts. Float integrates with your tap-to-pay automations, so every time you pay, your spend total updates instantly. - Works with Apple Wallet and Apple Pay - Configure it to run only for certain cards, merchants, or categories - 100% on-device — your data never leaves your phone → Know Your Total at a Glance - Float’s beautiful home screen widget shows your daily or 24-hour total spend, so you’re always in control without opening the app. - Live-updating widget - No bank syncing delays - Fully offline and private → Add Manual Expenses in Seconds Not every purchase is digital — Float makes it simple to manually add cash payments or any other expense with just a few taps. → Privacy by Design Float never asks for bank logins or transaction access. Your spending data is yours — stored securely on your device, and never on our servers. Float is perfect for minimalists, privacy advocates, and anyone who wants to know: “How much have I spent today?” Get Float now and track your money your way. Privately, instantly, and effortlessly.

Screenshots

Moni4 screens
Float4 screens

Verdict

The call

The clearest difference is in-app purchases: Float at none against Moni's 6. Float also leads on update cadence (daily vs every 2 weeks). On price, ads, device support and iOS requirement 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

Both are free to download. Moni sells 6 in-app purchases, starting at $2.99 per 7 days. Float asks for nothing beyond the download.

UpkeepUpdate frequency

Moni ships an update every 2 weeks, Float daily. The most recent releases landed on September 29, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 8 level
Moni versus Float: the parameters behind the verdict, then further details
ParameterMoniFloat
PriceFreeFree
Rating3.5 (6 ratings) — better—
Positive reviews57.1% of reviews—
Number of ratings6 — better—
Update frequencyEvery 2 weeksDaily — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone
Requires iOS18.017.6 — better
Further details — not scored
Size23 MB1 MB
Age rating4+4+
DeveloperOleg PogosianThe Trustee for Friday Investments Trust

In-app purchases

6 purchases

Moni

Subscriptions4
  • Moni Weekly3 Days trial$2.997 Days
  • Moni Monthly$4.991 Month
  • Monin Annual$10.991 Year
Show 1 more
  • Moni Annual Unlimited3 Days trial$14.991 Year
One-time2
  • Lifetime$10.99
  • Moni Lifetime$24.99
None

Float

No in-app purchases

Questions

Is Moni free?
Moni is free to download, with in-app purchases available.
Is Float free?
Float is free to download, with no in-app purchases.
Do Moni or Float have ads?
Neither Moni nor Float shows ads.
Which is updated more often, Moni or Float?
Moni ships an update every 2 weeks, and Float daily. Most recently, Moni was updated on September 29, 2026 and Float on October 25, 2026.

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