# Summa vs Expense Tracker

Summa and Expense Tracker both sit at 5.0 stars, but that hides the real split: 100% of Expense Tracker's written reviews are positive against 67% of Summa's. Expense Tracker also leads on update cadence (every 2 days vs every 5 days). Summa's advantage is device support (3 vs 1). On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. Summa sells 8 in-app purchases, starting at $6.99 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.

On the App Store both sit at effectively the same score — 5.0 for Summa against 5.0 for Expense Tracker. Both are backed by a comparable volume of ratings — 2 and 2 respectively. Written reviews are what separate them: 67% of Summa's written reviews are positive against 100% of Expense Tracker's.

Summa ships an update every 5 days, Expense Tracker every 2 days. The most recent releases landed on October 24, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Summa | Expense Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/summa-budget-expense-tracker/id6746765324/reviews) | [5.0 (2 ratings)](https://appshunter.io/ios/app/expense-tracker-luca/id6764654142/reviews) |
| Number of ratings | 2 | 2 |
| Positive reviews | 66.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 days | **Every 2 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 203 MB | 25 MB |
| Requires iOS | 18.4 | **18.0** |
| Devices | **iPhone, iPad, Mac** | iPhone |
| Age rating | 4+ | +4 |
| Developer | [Strata Veritate LLC](https://appshunter.io/developer/1818399397) | [CrispyApps LLC](https://appshunter.io/developer/1682067986) |

## 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 |


### Expense Tracker

[App page](https://appshunter.io/ios/app/expense-tracker-luca/id6764654142)

Effortlessly manage your money by tracking expenses, setting budgets, and monitoring recurring bills. Utilize voice commands for quick logging and gain clear financial insights through visual breakdowns and multiple account management.

**Highlights:** Voice-to-text expense logging, Monthly budget setting and alerts, Automatic recurring expense tracking, Categorized spending visualization, Multiple personal and business accounts, Income tracking and balance overview, Exportable expense reports (PDF/CSV)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Luca Monthly | $4.99 | per month |
| Luca Yearly | $24.99 | per year |


## Frequently asked questions

### Is Summa free?

Summa 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, Summa or Expense Tracker?

Summa and Expense Tracker are both rated 5.0 out of 5 on the App Store, from 2 and 2 ratings respectively.

### Do Summa or Expense Tracker have ads?

Neither Summa nor Expense Tracker shows ads.

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

Summa ships an update every 5 days, and Expense Tracker every 2 days. Most recently, Summa was updated on October 24, 2026 and Expense Tracker on October 19, 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.*