Comparison

Kelo vs Expense Tracker

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

Head to head
About

Kelo

Track subscriptions, bills, and expenses without connecting to your bank. Get alerts before charges and manage your finances with detailed summaries and customizable billing cycles. Optional premium features offer automatic logging, receipt scanning, and budgeting tools.

Highlights
  • Subscription and bill tracking
  • Expense logging without bank connection
  • Upcoming payment alerts
  • Customizable billing cycles
  • Monthly and yearly financial summaries
  • Receipt and invoice scanning (Premium)
  • Budgeting and savings goals (Premium)
Features
Read full description

Know what leaves your account this month, before it leaves. Kelo tracks your subscriptions, bills and everyday expenses in one place, and warns you before every charge. No bank login, ever. Start free: log your first recurring expenses and as many one time expenses as you want, without paying and without connecting your bank. WHAT KELO DOES • Monthly and yearly summary: how much leaves your account, and when • Billing cycles that match real life: weekly, monthly, quarterly or any custom interval • Upcoming payments organized by category • A dashboard with four charts and your key figures at a glance • Unlimited one time expenses: coffee, groceries, fuel, anything • Widget showing how your spending is going, month by month • 10 languages and all major currencies AUTOMATIC, IF YOU WANT IT (Premium) • Pay with Apple Pay and Kelo logs the expense by itself, even with the app closed • Turn receipts and invoices into expenses with your camera • Add an expense in one tap with Shortcuts PREMIUM ALSO UNLOCKS • Unlimited recurring expenses • Alerts before every renewal, with configurable lead time • Full payment calendar, day by day • Budgets by category and savings goals • Sync and backup YOUR PRIVACY FIRST No bank connection. You choose what to add. Sync and backup are optional. Download Kelo and always know what money is committed before you spend. Subscription details: Kelo Premium is an auto-renewable subscription, available as a monthly or annual plan. The price is shown in the app before you confirm. Payment is charged to your Apple Account at purchase. The subscription renews automatically unless you cancel at least 24 hours before the end of the current period, and your account is charged within 24 hours before the period ends. You can manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://juicestudio.notion.site/Legal-1d20ce62bcb5805ca800e676ef7aa8ed

About

Expense Tracker

Effortlessly manage your money with this intuitive expense tracker. Log spending via voice, set budgets, and track recurring bills with visual breakdowns and multiple account types. Get clear financial insights with a clean design and iCloud sync.

Highlights
  • Voice-to-text expense logging
  • Monthly budget setting and alerts
  • Automatic recurring expense tracking
  • Categorized spending visualization
  • Multiple account type management
  • Income tracking and balance overview
  • Exportable expense reports
Read full description

Take control of your finances with Luca, a beautifully simple expense tracker designed to make managing your expenses effortless. Whether you're tracking daily spending, setting monthly budgets, or keeping an eye on recurring bills, Luca gives you a clear picture of your finances in seconds. Track Your Spending Log expenses quickly and see exactly where your money goes. Organize by category with beautiful visual breakdowns that make your spending habits clear. Speak To Add Add expenses with your voice using built in AI. Just describe your transaction and Luca handles the rest, no typing, no hassle. Stay On Budget Set monthly budgets and get notified before you overspend. Luca keeps you accountable with reminders so you never lose track. Set & Forget Set up recurring expenses once and forget about them. Subscriptions, rent, utilities, Luca reminds you & logs them automatically so nothing slips through the cracks. Organize Your Spending Create distinct categories to organize every dollar. See at a glance how much goes to food, car, entertainment, and more with a colorful pie chart. Multiple Account Types Manage different financial goals all in one place. Create personal and business accounts to separate your spending, savings accounts to track progress toward a goal, or debt accounts to stay on top of what you owe. Each account gets its own dashboard, insights, and AI chat tailored to your needs. More to love: • Clean, minimal design that's a joy to use • Income tracking and balance overview • Monthly summaries and spending insights • Export your expense reports as PDF or CSV • iCloud sync across all your devices • No ads, ever Download Luca today and take full control of your finances Here's what you should know about auto-renewing subscriptions: – If you choose to purchase a monthly or yearly subscription, you will have unlimited access to all features or any future features. – Subscriptions renew automatically unless you cancel at least 24 hours before the end of the current subscription period without any limitations. – Auto-renewal can be canceled at any time by going to your settings in the App Store after the purchase. Privacy Policy: https://www.crispyappsllc.com/privacy Terms of Use: https://www.crispyappsllc.com/terms

Screenshots

Kelo4 screens
Expense Tracker4 screens

Verdict

The call

The clearest difference is ratings volume: Kelo at 10 against Expense Tracker's 2. On price, rating, review sentiment and update cadence 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. Kelo sells 4 in-app purchases, starting at $4.99 per month and Expense Tracker sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Kelo against 5.0 for Expense Tracker. That said, the two scores are not equally well evidenced: Kelo has 10 ratings behind it against 2, so its average is the more settled of the two. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 days. The most recent releases landed on November 8, 2026 and November 5, 2026 respectively.

Scorecard1 real difference · 9 level
Kelo versus Expense Tracker: the parameters behind the verdict, then further details
ParameterKeloExpense Tracker
PriceFreeFree
Rating5.0 (10 ratings)5.0 (2 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings10 — better2
Update frequencyEvery 2 daysEvery 2 days
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhoneiPhone
Requires iOS18.018.0
Further details — not scored
Size80 MB25 MB
Age rating4+4+
DeveloperJose Pedro Franco MorenoCrispyApps LLC

Customer experience

Kelo

All ratings10 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews11 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Expense Tracker

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

4 purchases

Kelo

Subscriptions4
  • Kelo Premium7 Days trial$4.991 Month
  • Kelo Premium$4.991 Month
  • Kelo Premium Annual$29.991 Year
Show 1 more
  • Kelo Premium Annual7 Days trial$29.991 Year
2 purchases

Expense Tracker

Subscriptions2
  • Luca Monthly$4.991 Month
  • Luca Yearly3 Days trial$24.991 Year

Questions

Is Kelo free?
Kelo is free to download, with in-app purchases available.
Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Which has better reviews, Kelo or Expense Tracker?
Kelo and Expense Tracker are both rated 5.0 out of 5 on the App Store, from 10 and 2 ratings respectively.
Do Kelo or Expense Tracker have ads?
Neither Kelo nor Expense Tracker shows ads.
Which is updated more often, Kelo or Expense Tracker?
Kelo ships an update every 2 days, and Expense Tracker every 2 days. Most recently, Kelo was updated on November 8, 2026 and Expense Tracker on November 5, 2026.

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