Comparison

Track It vs Net

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

Head to head
About

Track It

Effortlessly manage your spending, track bills, and understand your finances with this intuitive expense tracker and budget planner. Gain control over your money through smart insights and simple logging.

Highlights
  • Fast expense tracking
  • Monthly budget monitoring
  • Recurring bill management
  • Spending insights and reports
  • Home screen widgets
  • Data export to CSV
  • App lock for privacy
Features
Read full description

Track It is a simple expense tracker and budget planner designed to help you manage spending, track recurring bills, and understand your personal finances without clutter. Track daily expenses in seconds, monitor your monthly budget, manage subscriptions and recurring expenses, and view smart spending insights that help you stay in control of your money. Whether you are looking for an expense manager, spending tracker, bill tracker, or budget app, Track It gives you a fast and lightweight way to build better financial habits. Track expenses faster • Add expenses quickly with categories, notes, payment methods, and dates • Built for fast daily expense tracking with a clean and focused experience • Stay consistent with simple expense logging that takes only seconds Stay on top of your budget • Set monthly budgets and track spending progress • View your safe-to-spend amount anytime • Spot overspending early and improve your budgeting habits Understand your spending • View spending insights, category breakdowns, and monthly reports • Analyze spending patterns with clean charts and summaries • Understand where your money goes with smarter financial insights Manage recurring bills and subscriptions • Track recurring expenses including rent, subscriptions, EMIs, utility bills, and repeat payments • Get visibility into upcoming bills and payment schedules • Stay organized with recurring expense tracking and reminders Home Screen widgets • Check expenses, budgets, recurring bills, and spending summaries directly from your Home Screen • Monitor your finances quickly without opening the app Export and protect your data • Export expense history to CSV for backup and spreadsheet analysis • Keep your financial data organized and accessible Track It Premium includes • iCloud sync across devices • Advanced spending insights and monthly reports • CSV export • Unlimited expense entries • App lock for extra privacy Track It is designed to be fast, lightweight, and easy to use every day. No clutter. No complicated finance tools. Just simple expense tracking, budgeting, and recurring bill management that helps you stay in control of your spending. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://right-tanker-35d.notion.site/Track-It-Privacy-Policy-2b22378461d580538d29f25e3daabd67

About

Net

This budgeting app prioritizes privacy by keeping all your financial data on your device. It uses on-device AI for spending summaries and offers features like cash-flow forecasts, budget tracking, and PDF statement imports without requiring bank logins.

Highlights
  • On-device AI spending summaries
  • No bank login required
  • Cash-flow forecasting
  • Budget and goal tracking
  • PDF statement import
  • Home screen widgets
Features
Read full description

Your money, your finances and nobody else's business. TrackSmart is the budgeting app that never asks for your bank login. No account linking, no third-party data brokers, no servers holding your financial life. Your financial data stays on your device and in your own private iCloud. PRIVATE BY ARCHITECTURE, NOT BY PROMISE • No bank credentials required — ever • No account, no email, no sign-up • Your financial data lives on-device and in your private iCloud • On-device AI: your transactions are never sent to the cloud SEE YOUR WHOLE NET WORTH Track everything you own and owe in one place. Add assets and liabilities, log account values over time, and watch your net worth trend — alongside a beautifully redesigned account view with balance history, top categories, and credit-utilization at a glance. • Net-worth tracking with valuation history • Redesigned account detail — balances, statistics, and trends ON-DEVICE AI THAT UNDERSTANDS YOUR MONEY Powered by Apple Intelligence, TrackSmart generates plain-language summaries of your spending — what changed, what's unusual, and what deserves your attention — entirely on your device. • AI spending summaries generated locally, never in the cloud (AI summaries require a device with Apple Intelligence.) INSIGHTS DEEPER THAN A PIE CHART • Cash-flow forecast — see where you're headed, not just where you've been • Money Flow view — exactly where every dollar goes, income in to spending out • Spending breakdowns by category, merchant, and trend • Automatic subscription detection — catch the charges you forgot about • Unusual-spending alerts before they become a habit BUDGETS & GOALS THAT STICK • Monthly and category budgets with clear progress • Savings goals you can actually watch grow • Recurring transactions and smart categorization rules IMPORT WITHOUT LINKING • Import transactions straight from PDF statements — no Plaid, no bank connection • Export polished PDF reports for taxes or your own records LIVES ON YOUR HOME SCREEN Five widgets — Spending Summary, Budget Progress, Cash Flow, Net Worth, and Quick Add — keep your money one glance away. AVAILABLE IN ENGLISH AND SPANISH TrackSmart is fully localized — every screen, every insight, in both languages. START FREE Track multiple accounts, budgets, goals, and tags at no cost. Upgrade to Pro for unlimited everything, advanced insights, PDF import/export, and on-device AI spending summaries. Not sure yet? Turn on Demo Mode in Settings to explore the entire app with realistic sample data — no signup, and your own data stays untouched. No bank login. No data brokers. No catch. Just your money, finally private.

Screenshots

Track It4 screens
Net4 screens

Verdict

The call

Track It and Net are too close to call on the numbers: across 8 compared parameters — price, review sentiment, update cadence and ads among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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. Track It sells 2 in-app purchases, starting at $0.99 per month and Net sells 2 in-app purchases, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Track It ships an update every 10 days, Net fortnightly. The most recent releases landed on September 22, 2026 and September 8, 2026 respectively.

ScorecardNo meaningful differences
Track It versus Net: the parameters behind the verdict, then further details
ParameterTrack ItNet
PriceFreeFree
Rating—5.0 (4 ratings) — better
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings—4 — better
Update frequencyEvery 10 days — betterFortnightly
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPad — betteriPhone
Requires iOS18.0 — better18.6
Further details — not scored
Size13 MB18 MB
Age rating4+4+
DeveloperDhruv PujaraAdalberto Dominguez Segura

Customer experience

Track It

Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Net

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

2 purchases

Track It

Subscriptions2
  • Track It Premium Monthly7 Days trial$0.991 Month
  • Track It Premium Yearly7 Days trial$9.991 Year
2 purchases

Net

Subscriptions2
  • Pro Monthly$6.991 Month
  • Pro Annual$44.991 Year

Questions

Is Track It free?
Track It is free to download, with in-app purchases available.
Is Net free?
Net is free to download, with in-app purchases available.
Do Track It or Net have ads?
Neither Track It nor Net shows ads.
Which is updated more often, Track It or Net?
Track It ships an update every 10 days, and Net fortnightly. Most recently, Track It was updated on September 22, 2026 and Net on September 8, 2026.

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