# SUM+= Simple Expense Tracker vs Budget Ninja

The clearest difference is in-app purchases: Budget Ninja at none against SUM+= Simple Expense Tracker's 4. Budget Ninja also leads on iOS requirement (17.6 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. Budget Ninja asks for nothing beyond the download.

SUM+= Simple Expense Tracker ships an update every 4 days, Budget Ninja every 5 days. The most recent releases landed on October 31, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | SUM+= Simple Expense Tracker | Budget Ninja |
| --- | --- | --- |
| 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 4 days** | Every 5 days |
| Monetization | Freemium | — |
| Size | 28 MB | 5 MB |
| Requires iOS | 26.2 | **17.6** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Jonas Zimmermann](https://appshunter.io/developer/1869111182) | [Jakub Jawor](https://appshunter.io/developer/1873584157) |

## 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 |


### Budget Ninja

[App page](https://appshunter.io/ios/app/budget-ninja-money-tracker/id6758552353)

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

**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 Budget Ninja free?

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

### Do SUM+= Simple Expense Tracker or Budget Ninja have ads?

Neither SUM+= Simple Expense Tracker nor Budget Ninja shows ads.

### Which is updated more often, SUM+= Simple Expense Tracker or Budget Ninja?

SUM+= Simple Expense Tracker ships an update every 4 days, and Budget Ninja every 5 days. Most recently, SUM+= Simple Expense Tracker was updated on October 31, 2026 and Budget Ninja on October 28, 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.*