Comparison

SUM+= Simple Expense Tracker vs S

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

Head to head
About

SUM+= Simple Expense Tracker

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
Read full description

There are hundreds of expense tracker apps and they all do more or less the same thing. But oddly enough, not a single one suited my needs, so I developed my own. Through small but targeted adjustments, I've developed the app to become my preferred solution: • Control stays with the user while data entry is greatly simplified: The time between "open app" and "entry saved" has been reduced to a minimum. AI can support this process so that in many cases you wouldn't even need to open the app • AI analysis through LLMs: Instead of developing custom analysis logic, the app prepares your data so it can be used directly in Large Language Models like ChatGPT or Claude: for analysis, forecasts and recommendations • Minimalist design: The app is designed to look beautiful and works without distracting extras • Full control & privacy: No login, no account. Data stays locally on your device. You have complete control over your own database. If you want to share your data with an AI, you decide that yourself Financial barriers shouldn't stand in the way of your personal financial planning with Sum. Contact us for individual solutions via the support form. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

S

Read full description

A minimal expense tracker / no financial noise. No accounts, no subscriptions, no complexity. Just track what you spend. And what you earn. Your data stays on your iPhone and in your private iCloud. You own it. Always. It is a privacy-first money tracker designed for clarity. Pay Once. Use Forever. Unlock with a simple one-time purchase and use forever. Most budget apps are overloaded with charts, complex analytics, and financial jargon. This one is different. It's a minimalist spending tracker built for everyday life. Open the app. Swipe. Add an expense or income. Done. That's the system. Essential Overview Everything in one simple screen: - Total income - Total expenses - Category breakdown Clear numbers. No dashboards. No overwhelm. Stay aware of your spending without turning your life into a spreadsheet. Minimal by design, but flexible where it matters: - Multiple currencies (US Dollar, Euro, British Pound, Swiss Franc, Japanese Yen, Korean Won, Swedish Krona, Norwegian Krone) - Multiple languages (English, Deutsch, Français, Español, Italiano, Português, Nederlands, Norsk, Svenska) - Offline, no account, you own your data - Custom categories - Transaction export - Light and Dark mode - Customizable themes - Face ID / Touch ID protection - iCloud sync across devices - Fast numeric input - Smooth gestures Every interaction is built to reduce friction. Why Minimal Expense Tracker? Because you don't need 27 charts. You need consistency. Minimal Expense Tracker helps you build awareness around your money with a simple, private, no-subscription expense tracker experience. If you're looking for a minimal budget alternative, a clean money manager, or a privacy-first spending tracker, this app is built for you. Swipe. Add. Done.

Screenshots

SUM+= Simple Expense Tracker4 screens
S4 screens

Verdict

The call

The clearest difference is update cadence: SUM+= Simple Expense Tracker at every 3 days against S's every 2 weeks. On price, ads, in-app purchases 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. SUM+= Simple Expense Tracker sells 4 in-app purchases, starting at $3.99 per month and S sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

SUM+= Simple Expense Tracker ships an update every 3 days, S every 2 weeks. The most recent releases landed on October 15, 2026 and October 9, 2026 respectively.

Scorecard1 real difference · 9 level
SUM+= Simple Expense Tracker versus S: the parameters behind the verdict, then further details
ParameterSUM+= Simple Expense TrackerS
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 3 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhoneiPhone
Requires iOS26.226 — better
Further details — not scored
Size28 MB2 MB
Age rating4+4+
DeveloperJonas Zimmermannfabio mangolini

In-app purchases

4 purchases

SUM+= Simple Expense Tracker

Subscriptions2
  • SUM Pro1 Month trial$3.991 Month
  • SUM Pro1 Month trial$22.991 Year
One-time2
  • 7-day TrialFree
  • Sum Premium$6.99
1 purchases

S

One-time1
  • Lifetime$9.99

Questions

Is SUM+= Simple Expense Tracker free?
SUM+= Simple Expense Tracker is free to download, with in-app purchases available.
Is S free?
S is free to download, with in-app purchases available.
Do SUM+= Simple Expense Tracker or S have ads?
Neither SUM+= Simple Expense Tracker nor S shows ads.
Which is updated more often, SUM+= Simple Expense Tracker or S?
SUM+= Simple Expense Tracker ships an update every 3 days, and S every 2 weeks. Most recently, SUM+= Simple Expense Tracker was updated on October 15, 2026 and S on October 9, 2026.

Other comparisons