Comparison

Expense Tracker vs Settle

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

Head to head
About

Expense Tracker

Features
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xpenZease is your private, travel‑ready expense tracker — built for digital nomads, frequent traveler, couples, and anyone who wants clear budgets without the hassle. Track unlimited expenses for free, then upgrade only when you want time‑saving power features like receipt scan and export. KEY FEATURES (v1.3.3) • Instant Expense Tracking (Free) Add expenses in seconds with smart categories (Food, Transport, Accommodation, Shopping, Entertainment, Others), clean validation, and a frictionless flow designed for daily use. • Receipt Scan + OCR Autofill (Premium) Scan a receipt, align the corners, and autofill key fields like amount, date, currency, and merchant — then review everything before saving. Perfect for international receipts and busy travel days. • Multi‑Currency Support (Free) Log expenses in any currency with real‑time exchange rates and see totals in your default currency automatically — ideal for multi‑country trips and nomad lifestyles. • Smart Budget Management (Free) Set category budgets and get alerts when you’re approaching or exceeding limits, with visual tracking that keeps spending in check. • Powerful Analytics & Insights (Free) Understand your spending with charts and statistics across day, week, month, or year — instantly see where your money goes. • PDF & CSV Export (Premium) Create polished PDF reports or export CSV for spreadsheets, reimbursements, accounting, or tax season. • Track Together — iCloud Couple Sync (Premium, iOS) Share one synced expense ledger with your partner via Apple iCloud (CloudKit). No xpenZease account — just Apple’s sharing flow. • Secure & Private by Design No account required. No ads. No analytics trackers. Your expenses stay on your device by default. Receipt scan uses on‑device text recognition. • 16 Languages Supported Use xpenZease in English, Spanish, French, German, Italian, Portuguese, Dutch, Swedish, Korean, Japanese, Chinese, Turkish, Polish, Russian, Thai, Hebrew, and more. • Beautiful Modern Interface A redesigned dark UI with bold neon accents, smooth interactions, and layouts optimized for iPhone and iPad. PERFECT FOR • Travel and multi‑currency trips • Digital nomads and remote workers • Couples who want one shared expense ledger (iOS, Premium) • Students and everyday budgeting • Business expense tracking, reporting, and reimbursements • Anyone tired of typing receipt totals by hand Privacy & Security Your financial data stays on your device by default. No accounts, no tracking, no ad networks. If you enable Track Together, shared data lives in your Apple iCloud account via CloudKit — not on our servers. Why Choose xpenZease? • Unlimited free expense tracking • Receipt scan + autofill (Premium) • Works offline (core tracking) • Multi‑currency travel friendly • 16 languages supported • Private by default — no account • PDF/CSV exports for real‑world reporting • Optional iCloud couple sync (iOS, Premium) Download xpenZease and make expense tracking effortless. Terms: https://zebraverse.dev/terms Privacy: https://zebraverse.dev/privacy

About

Settle

Features
Read full description

Track your money in seconds. Private, simple, and yours. Settle makes it easy to log expenses, set budgets, and see where your money goes. • Drag to log, or add in a couple of taps • Multiple accounts with multi-currency support • Transfers between your own accounts, and a spend can become one at any time • Budgets and monthly spending insights • Clean charts, light and dark themes • No sign-up, no ads, no tracking SETTLE PRO • Automation: pay with your phone and the expense lands in your budget on its own, with the phone locked and the app closed. A shop Settle knows goes straight to its category; anything new waits in Review, where one fix teaches it for good • Restore points: snapshots of your data you can roll back to, kept on the device and in your own iCloud Drive, so they survive a reinstall • Recurring rules: rent, subscriptions, and bills record themselves on schedule • monobank sync, for accounts in Ukraine: cards and jars import themselves, so the day is already logged WHERE YOUR DATA LIVES There is no Settle account and no Settle server. Your finances sit in a database on your phone. Bank data travels between your device and your own bank. Restore points go to your own iCloud Drive. We cannot see any of it. Available in English and Ukrainian. SUBSCRIPTION Settle Pro costs $2.99 per month or $19.99 per year, starting with a 14-day free trial. Payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically unless you cancel at least 24 hours before the current period ends. Manage or cancel it at any time in your Apple Account settings. Any unused part of a free trial is forfeited if you subscribe before it ends. Terms of Use (Apple standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://juisemad.github.io/settle-privacy/

Screenshots

Expense Tracker4 screens
Settle4 screens

Verdict

The call

The clearest difference is in-app purchases: Settle at none against Expense Tracker's 2. On price, update cadence, ads and device support 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. Expense Tracker sells 2 in-app purchases, starting at $0.99 per month. Settle asks for nothing beyond the download.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 4 days. The most recent releases landed on September 14, 2026 and September 16, 2026 respectively.

Scorecard1 real difference · 5 level
Expense Tracker versus Settle: the parameters behind the verdict, then further details
ParameterExpense TrackerSettle
PriceFreeFree
Update frequencyEvery 4 daysEvery 4 days
AdsNoNo
In-app purchasesYesNo — better
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better16.4
Further details — not scored
Size41 MB49 MB
Age rating4+4+
DeveloperMickael BrieEduard Kovtun

In-app purchases

2 purchases

Expense Tracker

Subscriptions2
  • Premium Monthly$0.991 Month
  • Premium 1 year Subscription$6.991 Year
None

Settle

No in-app purchases

Questions

Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Is Settle free?
Settle is free to download, with no in-app purchases.
Do Expense Tracker or Settle have ads?
Neither Expense Tracker nor Settle shows ads.
Which is updated more often, Expense Tracker or Settle?
Expense Tracker ships an update every 4 days, and Settle every 4 days. Most recently, Expense Tracker was updated on September 14, 2026 and Settle on September 16, 2026.

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