# Summa vs True Expense Tracker

The clearest difference is in-app purchases: True Expense Tracker at none against Summa's 8. True Expense Tracker also leads on iOS requirement (12.0 vs 18.4). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Summa sells 8 in-app purchases, starting at $6.99 per month. True Expense Tracker asks for nothing beyond the download.

Summa ships an update every 5 days, True Expense Tracker weekly. The most recent releases landed on October 9, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | Summa | True Expense Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/summa-budget-expense-tracker/id6746765324/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 5 days** | Weekly |
| Monetization | Free with in-app purchases | — |
| Size | 325 MB | 28 MB |
| Requires iOS | 18.4 | **12.0** |
| Devices | **iPhone, iPad, Mac** | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Strata Veritate LLC](https://appshunter.io/developer/1818399397) | [Joel Montesanos](https://appshunter.io/developer/1863326770) |

## What reviewers say

### Summa

[App page](https://appshunter.io/ios/app/summa-budget-expense-tracker/id6746765324)

Gain deep financial insights without compromising privacy. This app processes all AI and ML models on your device, keeping your bank credentials and data secure. Track spending, manage budgets, monitor investments, and set savings goals with on-device intelligence.

**Highlights:** On-device AI for privacy, Financial health score, Secure data sharing, Guided budgeting wizard, Receipt scanning with AI extraction, Investment portfolio tracking, Configurable notifications

**Features:** Vision Pro support

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $6.99 | per month |
| Pro Monthly | $6.99 | per month |
| Pro + Connect Monthly | $9.99 | per month |
| Pro + Connect Monthly | $9.99 | per month |
| Pro Annual | $49.99 | per year |
| Pro Annual | $49.99 | per year |
| Pro + Connect Annual | $79.99 | per year |
| Pro + Connect Annual | $79.99 | per year |


### True Expense Tracker

[App page](https://appshunter.io/ios/app/true-expense-tracker/id6759011129)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Summa free?

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

### Is True Expense Tracker free?

True Expense Tracker is free to download, with no in-app purchases.

### Do Summa or True Expense Tracker have ads?

Neither Summa nor True Expense Tracker shows ads.

### Which is updated more often, Summa or True Expense Tracker?

Summa ships an update every 5 days, and True Expense Tracker weekly. Most recently, Summa was updated on October 9, 2026 and True Expense Tracker on October 18, 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.*