# SUM+= Simple Expense Tracker vs Beontrack Mortgage Tool

The clearest difference is in-app purchases: Beontrack Mortgage Tool at none against SUM+= Simple Expense Tracker's 4. Beontrack Mortgage Tool also leads on iOS requirement (18.6 vs 26.2). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. SUM+= Simple Expense Tracker sells 4 in-app purchases, starting at $3.99 per month. Beontrack Mortgage Tool asks for nothing beyond the download.

SUM+= Simple Expense Tracker ships an update every 3 days, Beontrack Mortgage Tool every 5 days. The most recent releases landed on October 24, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | SUM+= Simple Expense Tracker | Beontrack Mortgage Tool |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/sum-plus-simple-expense-tracker/id6757820811/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 3 days** | Every 5 days |
| Monetization | Freemium | — |
| Size | 28 MB | 4 MB |
| Requires iOS | 26.2 | **18.6** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Jonas Zimmermann](https://appshunter.io/developer/1869111182) | [Beontrack Solutions Ltd.](https://appshunter.io/developer/1870758100) |

## What reviewers say

### SUM+= Simple Expense Tracker

[App page](https://appshunter.io/ios/app/sum-plus-simple-expense-tracker/id6757820811)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SUM Pro | $3.99 | per month |
| SUM Pro | $22.99 | per year |
| 7-day Trial | Free | one-time |
| Sum Premium | $6.99 | one-time |


### Beontrack Mortgage Tool

[App page](https://appshunter.io/ios/app/beontrack-mortgage-tool/id6758078016)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is SUM+= Simple Expense Tracker free?

SUM+= Simple Expense Tracker is free to download, with in-app purchases available.

### Is Beontrack Mortgage Tool free?

Beontrack Mortgage Tool is free to download, with no in-app purchases.

### Do SUM+= Simple Expense Tracker or Beontrack Mortgage Tool have ads?

Neither SUM+= Simple Expense Tracker nor Beontrack Mortgage Tool shows ads.

### Which is updated more often, SUM+= Simple Expense Tracker or Beontrack Mortgage Tool?

SUM+= Simple Expense Tracker ships an update every 3 days, and Beontrack Mortgage Tool every 5 days. Most recently, SUM+= Simple Expense Tracker was updated on October 24, 2026 and Beontrack Mortgage Tool on October 5, 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.*