Otto vs Expense Tracker
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
Otto
Effortlessly manage personal finances and understand spending patterns. Gain insights into essential, important, and superfluous expenses with clear charts and behavioral classifications. Access helpful content to improve your financial literacy and maintain control.
- Expense recording
- Spending habit tracking
- Financial insights and charts
- Behavioral classification (survivor, balanced, spender)
- Expense categorization (essential, important, superfluous)
- Financial literacy content library
- Intuitive user experience
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Otto is the simplest way to organize your personal finances and understand where your money goes. With just a few taps, you can record your expenses, track your spending habits, and receive insights that make financial control a natural part of your daily life. The app classifies users according to their behavior, showing whether they are survivors, balanced, or spenders. In addition, it presents charts that clearly show where your money is being directed, highlighting whether expenses are essential, important, or superfluous. This clear view helps you make more conscious decisions and maintain balance between what is necessary and what can be adjusted. Otto also offers a library with simple but useful content, designed for those who want to improve their relationship with money and learn how to take better care of their finances. All of this comes with a practical and intuitive experience, with notifications and features that ensure you are always in control. New users are entitled to two months of free access. After this period, you can subscribe or cancel at any time, with no commitment. With Otto, you gain more clarity, more control, and less complication in your financial life.
Expense Tracker
Effortlessly manage your finances by tracking income and expenses with smart reminders and a clear financial health score. Gamified features like streaks and achievements make staying disciplined engaging. Visualize your financial trends with a beautiful dashboard.
- Quick income and expense logging
- Smart bill reminders
- Financial health score
- Gamified streaks and achievements
- Beautiful dashboard visualization
- iCloud sync
- Budgeting by category
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Paguei! turns managing your money into something simple โ and even addictive. Track your income and expenses, never miss a bill again, and watch your financial health grow month after month. No boring spreadsheets, no noise: just what you need to pay today. KEY FEATURES โข Quick entry โ log income and expenses in seconds, with category, amount and due date โข Smart reminders โ get notified before bills are due and never pay late again โข Financial Health score โ a clear diagnosis of how your month is going โข Streaks & achievements โ stay disciplined and earn XP for paying on time โข Beautiful dashboard โ balance, spending by category and monthly trends at a glance โข Light & Dark mode โ a calm, premium design PAGUEI! PRO โข iCloud Sync โ your data on every device โข Smart PDF reading โ import statements and amounts fill in automatically โข Credit Cards โ track current statement, available limit and due dates โข Savings Goals โ set targets and reach them โข Budgets by category โ get alerts before you overspend โข Export PDF statement โ perfect for taxes or planning Now available in English, Portuguese and Spanish. Paguei! Your financial peace starts here.
Screenshots
Verdict
The clearest difference is review sentiment: Otto at 100% against Expense Tracker's 73%. Otto also leads on iOS requirement (15.6 vs 18.0). Expense Tracker's advantage is update cadence (every 4 days vs every 3 weeks). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS
Both are free to download. Otto sells 1 in-app purchase, starting at $0.99 per month and Expense Tracker sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.
Otto ships an update every 3 weeks, Expense Tracker every 4 days. The most recent releases landed on October 8, 2026 and October 5, 2026 respectively.
| Parameter | Otto | Expense Tracker |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews โ better | 72.7% of reviews |
| Update frequency | Every 3 weeks | Every 4 days โ better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPod | iPhone, iPad, Mac โ better |
| Requires iOS | 15.6 โ better | 18.0 |
| Further details โ not scored | ||
| Size | 25 MB | 26 MB |
| Age rating | +4 | 4+ |
| Developer | Lucas Siqueira | Wilton Fernandes da Silva |
Customer experience
Otto
Expense Tracker
In-app purchases
Otto
- Otto Premium$0.991 Month
Expense Tracker
- Paguei! Pro Mensal7 Days trial$0.991 Month
- Paguei! Pro Anual7 Days trial$9.991 Year









