Comparison

Minimal Expense Tracker vs SUM+= Simple Expense Tracker

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

Head to head
About

Minimal Expense Tracker

Read full description

Thank you for using Minimal Expense Tracker! Here’s a quick overview of the features: ◆ Pie Chart Easily check the spending ratio by category. ◆ Line Chart Track your monthly spending trends. You can view data for the past year or by calendar year (e.g., 2025). Tap on the chart to see detailed information. ◆ Custom Categories Create as many categories as you like. Some common categories are set by default, but you can freely edit them to suit your needs. To add, edit, or delete categories, open the expense form and tap the settings (gear icon) in the top right corner → “Category Settings.” You can also manage categories directly from the category selection screen in the expense form: Tap the “+” button (top right) to open the add form. Long-press a category to open the edit/delete form. ◆ Scheduled Expenses Settings You can automatically register recurring expenses (such as rent, internet, or subscriptions) as scheduled expenses. ◆ Closing Date Settings Adjust your monthly closing date to match your payday. For example, if you set the 25th as the closing date, “September 2025” will cover expenses from Aug 26 to Sep 25, 2025. ◆ Themes Choose from 12 different theme combinations: Light/Dark appearance 6 theme colors: Blue, Red, Green, Yellow, Purple and Pink. Dark mode is recommended for the best chart display. ◆ Currency Settings Currently supports 6 currencies: JPY (¥), USD ($), EUR (€), GBP (£), TWD ($) and KRW (₩). ◆Privacy All your data is stored locally on your device, ensuring your privacy and security. Thank you.

About

SUM+= Simple Expense Tracker

This finance app simplifies expense tracking with AI assistance, allowing for quick data entry and powerful analysis through large language models. It prioritizes user control and privacy with local data storage and a minimalist design.

Highlights
  • AI-assisted data entry
  • LLM analysis and forecasting
  • Minimalist and beautiful design
  • Local data storage and privacy
  • User-controlled database
  • Subscription options with free trial
Features
Read full description

There are hundreds of expense tracker apps and they all do more or less the same thing. But oddly enough, not a single one suited my needs, so I developed my own. Through small but targeted adjustments, I've developed the app to become my preferred solution: • Control stays with the user while data entry is greatly simplified: The time between "open app" and "entry saved" has been reduced to a minimum. AI can support this process so that in many cases you wouldn't even need to open the app • AI analysis through LLMs: Instead of developing custom analysis logic, the app prepares your data so it can be used directly in Large Language Models like ChatGPT or Claude: for analysis, forecasts and recommendations • Minimalist design: The app is designed to look beautiful and works without distracting extras • Full control & privacy: No login, no account. Data stays locally on your device. You have complete control over your own database. If you want to share your data with an AI, you decide that yourself Financial barriers shouldn't stand in the way of your personal financial planning with Sum. Contact us for individual solutions via the support form. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Minimal Expense Tracker3 screens
SUM+= Simple Expense Tracker4 screens

Verdict

The call

The clearest difference is ads: SUM+= Simple Expense Tracker at none against Minimal Expense Tracker's shown. Minimal Expense Tracker's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 26.2). On price, update cadence and in-app purchases 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. Minimal Expense Tracker sells 1 one-off in-app purchase and SUM+= Simple Expense Tracker sells 4 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Minimal Expense Tracker ships an update weekly, SUM+= Simple Expense Tracker every 3 days. The most recent releases landed on August 31, 2026 and September 2, 2026 respectively.

Scorecard3 real differences · 5 level
Minimal Expense Tracker versus SUM+= Simple Expense Tracker: the parameters behind the verdict, then further details
ParameterMinimal Expense TrackerSUM+= Simple Expense Tracker
PriceFreeFree
Positive reviews100.0% of reviews
Update frequencyWeeklyEvery 3 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFreemium
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better26.2
Further details — not scored
Size45 MB26 MB
Age rating4+4+
DeveloperFUKUKAWA LABJonas Zimmermann

In-app purchases

1 purchases

Minimal Expense Tracker

One-time1
  • Premium$9.99
4 purchases

SUM+= Simple Expense Tracker

Subscriptions2
  • SUM Pro1 Month trial$3.991 Month
  • SUM Pro1 Month trial$22.991 Year
One-time2
  • 7-day TrialFree
  • Sum Premium$6.99

Questions

Is Minimal Expense Tracker free?
Minimal Expense Tracker is free to download, with in-app purchases available.
Is SUM+= Simple Expense Tracker free?
SUM+= Simple Expense Tracker is free to download, with in-app purchases available.
Do Minimal Expense Tracker or SUM+= Simple Expense Tracker have ads?
Minimal Expense Tracker shows ads; SUM+= Simple Expense Tracker does not.
Which is updated more often, Minimal Expense Tracker or SUM+= Simple Expense Tracker?
Minimal Expense Tracker ships an update weekly, and SUM+= Simple Expense Tracker every 3 days. Most recently, Minimal Expense Tracker was updated on August 31, 2026 and SUM+= Simple Expense Tracker on September 2, 2026.

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