# AI Spend Tracker vs Zpent

The clearest difference is iOS requirement: Zpent at 15.1 against AI Spend Tracker's 18.5. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. AI Spend Tracker sells 2 in-app purchases, starting at $5.99 per month and Zpent sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

AI Spend Tracker ships an update every 2 months, Zpent every 6 weeks. The most recent releases landed on October 24, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | AI Spend Tracker | Zpent |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (2 ratings)](https://appshunter.io/ios/app/ai-spend-tracker-retrobudget/id6743363764/reviews)** | — |
| Number of ratings | **2** | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | Freemium | — |
| Size | 21 MB | 40 MB |
| Requires iOS | 18.5 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | +4 |
| Developer | [Pushpinder Pal Singh](https://appshunter.io/developer/1527766642) | [JOAO PAULO SEDER](https://appshunter.io/developer/1896263043) |

## What reviewers say

### AI Spend Tracker

[App page](https://appshunter.io/ios/app/ai-spend-tracker-retrobudget/id6743363764)

This app analyzes your financial statements by uploading PDFs, using AI to categorize transactions without requiring bank account linking. It provides detailed spending breakdowns and visual charts to help you understand your financial habits. Prioritizes user privacy by processing and deleting statements after analysis.

**Highlights:** AI-powered transaction categorization from PDF statements, Spending breakdowns by category, merchant, and card, Multi-card tracking, Visual spending charts, No bank account linking required, Privacy-focused statement processing

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro | $5.99 | per month |
| Annual | $59.99 | per year |


### Zpent

[App page](https://appshunter.io/ios/app/zpent/id6766276357)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zpent Pro Monthly | $4.99 | per month |
| Zpent Pro Annual | $39.99 | per year |


## Frequently asked questions

### Is AI Spend Tracker free?

AI Spend Tracker is free to download, with in-app purchases available.

### Is Zpent free?

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

### Do AI Spend Tracker or Zpent have ads?

Neither AI Spend Tracker nor Zpent shows ads.

### Which is updated more often, AI Spend Tracker or Zpent?

AI Spend Tracker ships an update every 2 months, and Zpent every 6 weeks. Most recently, AI Spend Tracker was updated on October 24, 2026 and Zpent on October 26, 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.*