# Penko Expense Tracker vs zero

The clearest difference is in-app purchases: zero at none against Penko Expense Tracker's 8. zero also leads on update cadence (every 2 weeks vs every 5 months). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Penko Expense Tracker sells 8 one-off in-app purchases. zero asks for nothing beyond the download.

Penko Expense Tracker ships an update every 5 months, zero every 2 weeks. The most recent releases landed on September 23, 2026 and September 13, 2026 respectively.

## The numbers

| Metric | Penko Expense Tracker | zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.3 (3 ratings)](https://appshunter.io/ios/app/zero-offline-expense-tracker/id6759560225/reviews)** |
| Number of ratings | — | **3** |
| Positive reviews | — | 66.7% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 5 MB | 31 MB |
| Requires iOS | 16.2 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [AKINALP FIDAN](https://appshunter.io/developer/1844114666) | [Lossless Protocols](https://appshunter.io/developer/1879507198) |

## What reviewers say

### Penko Expense Tracker

[App page](https://appshunter.io/ios/app/penko-expense-tracker/id6754943713)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Water | $0.29 | one-time |
| Tea | $0.49 | one-time |
| Bagel | $0.99 | one-time |
| Coffee | $1.49 | one-time |
| Wrap | $2.99 | one-time |
| Burger | $4.99 | one-time |
| Turkish Doner | $8.99 | one-time |
| Surprise Me | $14.99 | one-time |


### zero

[App page](https://appshunter.io/ios/app/zero-offline-expense-tracker/id6759560225)

This app helps you track expenses and manage money owed without requiring an account or internet connection. It offers a clean interface for quick entry, custom categories, and visual reports to understand your spending. Your financial data remains private and is stored locally on your device.

**Highlights:** Offline expense tracking, No account required, Track money owed and lent, Customizable categories, Visual spending reports, Data export and import, Privacy-focused local storage

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Penko Expense Tracker free?

Penko Expense Tracker is free to download, with in-app purchases available.

### Is zero free?

zero is free to download, with no in-app purchases.

### Do Penko Expense Tracker or zero have ads?

Neither Penko Expense Tracker nor zero shows ads.

### Which is updated more often, Penko Expense Tracker or zero?

Penko Expense Tracker ships an update every 5 months, and zero every 2 weeks. Most recently, Penko Expense Tracker was updated on September 23, 2026 and zero on September 13, 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.*