Comparison

Expnz vs Settle

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

Head to head
About

Expnz

Effortlessly manage your spending with an AI-powered expense tracker. Snap receipts or upload them, and let artificial intelligence automatically extract details like merchant, amount, and date. Visualize your spending habits and stay organized without manual data entry.

Highlights
  • AI receipt scanner
  • Automatic expense extraction
  • Smart spending insights
  • Auto categorization
  • Business expense tracking
  • Secure and private
Features
Read full description

Expnz is an AI-powered expense tracker designed for professionals, freelancers, and consultants who want to manage their spending without manual effort. No spreadsheets. No typing. Just snap, track, and understand your expenses. Why Expnz? Managing expenses shouldn’t take time away from your work. With Expnz, you can: Snap or upload receipts • Capture bills instantly using your phone AI-powered expense extraction • Automatically detect merchant, amount, and date Smart spending insights • Visualize where your money goes Auto categorization • Expenses are organized for you Built for consultants & freelancers • Track business expenses and stay organized Key Features • AI receipt scanner • Automatic expense tracking • Smart categorization • Expense insights & reports • Clean and simple interface • Secure and private Perfect for • Independent consultants • Freelancers • Professionals • Small business owners • Anyone who wants simple expense tracking Use Cases • Track daily expenses effortlessly • Manage business expenses • Prepare reimbursement reports • Stay on top of your spending Privacy First • Your data is secure and private. Expnz does not share your personal financial information. Start tracking smarter today • Download Expnz and experience a faster, easier way to manage your expenses. Privacy Policy: https://www.getexpnz.com/legal/privacy.html Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Settle

Features
Read full description

Track your money in seconds. Private, simple, and yours. Settle makes it easy to log expenses, set budgets, and see where your money goes. • Drag to log, or add in a couple of taps • Multiple accounts with multi-currency support • Transfers between your own accounts, and a spend can become one at any time • Budgets and monthly spending insights • Clean charts, light and dark themes • No sign-up, no ads, no tracking SETTLE PRO • Automation: pay with your phone and the expense lands in your budget on its own, with the phone locked and the app closed. A shop Settle knows goes straight to its category; anything new waits in Review, where one fix teaches it for good • Restore points: snapshots of your data you can roll back to, kept on the device and in your own iCloud Drive, so they survive a reinstall • Recurring rules: rent, subscriptions, and bills record themselves on schedule • monobank sync, for accounts in Ukraine: cards and jars import themselves, so the day is already logged WHERE YOUR DATA LIVES There is no Settle account and no Settle server. Your finances sit in a database on your phone. Bank data travels between your device and your own bank. Restore points go to your own iCloud Drive. We cannot see any of it. Available in English and Ukrainian. SUBSCRIPTION Settle Pro costs $2.99 per month or $19.99 per year, starting with a 14-day free trial. Payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically unless you cancel at least 24 hours before the current period ends. Manage or cancel it at any time in your Apple Account settings. Any unused part of a free trial is forfeited if you subscribe before it ends. Terms of Use (Apple standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://juisemad.github.io/settle-privacy/

Screenshots

Expnz4 screens
Settle4 screens

Verdict

The call

The clearest difference is update cadence: Settle at every 5 days against Expnz's every 2 weeks. Expnz's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 16.4). On price, ads and in-app purchases 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. Expnz sells 1 in-app purchase, starting at $4.99 per month and Settle sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Expnz ships an update every 2 weeks, Settle every 5 days. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 5 level
Expnz versus Settle: the parameters behind the verdict, then further details
ParameterExpnzSettle
PriceFreeFree
Positive reviews100.0% of reviews—
Update frequencyEvery 2 weeksEvery 5 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better16.4
Further details — not scored
Size79 MB52 MB
Age rating4+4+
DeveloperNYL TechnologiesEduard Kovtun

In-app purchases

1 purchases

Expnz

Subscriptions1
  • Pro Monthly$4.991 Month
2 purchases

Settle

Subscriptions2
  • Settle Pro Monthly14 Days trial$2.991 Month
  • Settle Pro Annual14 Days trial$17.991 Year

Questions

Is Expnz free?
Expnz is free to download, with in-app purchases available.
Is Settle free?
Settle is free to download, with in-app purchases available.
Do Expnz or Settle have ads?
Neither Expnz nor Settle shows ads.
Which is updated more often, Expnz or Settle?
Expnz ships an update every 2 weeks, and Settle every 5 days. Most recently, Expnz was updated on October 24, 2026 and Settle on October 25, 2026.

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