Comparison

Expense Tracker vs iLekka

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

Head to head
About

Expense Tracker

Features
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Track expenses with less effort. Digits brings your spending, budgets, and insights together in a clear, simple interface, with expense records stored locally on your iPhone. ADD EXPENSES YOUR WAY β€’ Text: Enter an amount and description, with on-device AI category suggestions on supported devices. β€’ Speech: Turn a spoken expense into editable details. β€’ Image: Scan a receipt or select an image and review the extracted expense details before saving. β€’ Apple Pay: Set up a personal automation in Shortcuts to import purchases into Digits. UNDERSTAND YOUR SPENDING β€’ See spending totals, budget progress, and recent expenses on Home. β€’ Explore today, this week, previous budget months, or a custom date range. β€’ Tap charts to explore daily spending and monthly category trends. β€’ View category shares, top merchants, and on-device spending insights. β€’ Compare spending with the same point in the previous period. β€’ Search your transaction history and filter by category. A BUDGET THAT FITS YOUR MONTH Set a monthly budget and choose when your budget month starts. See how much you have spent, what remains, and how your spending is tracking. KEEP THINGS ORGANIZED β€’ Multi-currency expenses with conversion to your default currency. β€’ Eight default categories, plus custom categories with your choice of icons and colors. β€’ Editable expense details and CSV export. β€’ Optional Face ID or Touch ID app lock. ON-DEVICE BY DESIGN No app account or sign-up is required. Your expense records stay on your iPhone, and AI expense processing and spending analytics run on device. Internet access is used for services such as exchange rates and subscription management. REQUIREMENTS Digits requires iOS 26 or later. AI features require a compatible iPhone with Apple Intelligence enabled and available. Manual expense entry works without Apple Intelligence. Apple Pay import requires setup in Apple's Shortcuts app. SUBSCRIPTION REQUIRED Digits requires a subscription to use: β€’ Monthly: $5.99/month β€’ Annual: $29.99/year (includes 3-day free trial) Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.notion.so/Privacy-Policy-for-Digits-2eeae2047e3c81a9a88cf3b4290b3a7a

About

iLekka

Effortlessly track expenses by automatically processing bank transaction SMS messages. Monitor spending, categorize transactions smartly, and gain insights into your financial habits without manual data entry. Your financial data remains private and stored securely in your iCloud account.

Highlights
  • Automatic expense tracking from bank SMS
  • Smart expense categorization
  • Budgeting and spending analytics
  • Personal finance dashboard
  • Privacy-first iCloud storage
  • Designed for Indian banking systems
Features
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No typing. No receipts. No spreadsheets. iLekka is an automatic expense tracker for iPhone that turns your bank transaction SMS messages into a complete personal finance and money management system. Track expenses automatically, monitor spending, and stay on top of your budgetβ€”without manually entering transactions. Unlike traditional expense tracker apps, iLekka keeps your financial data private by storing everything in your own iCloud account. Nothing is sent to our servers. β€” HOW IT WORKS β€” Every time your bank sends a transaction SMS, iLekka automatically captures and categorizes the expense using Apple Shortcuts. Works with UPI transactions, debit cards, credit cards, net banking, and bank account debits. Supports SMS alerts from HDFC Bank, SBI, ICICI Bank, Axis Bank, Kotak Mahindra Bank, and other major Indian banks. Set it up once. Never manually log an expense again. β€” PRIVACY FIRST β€” Your financial data belongs to you. β€’ Stored in your own iCloud account β€’ No external servers β€’ No account creation required β€’ No ads β€’ No tracking β€’ No data harvesting iLekka follows Apple's privacy-first approach so your spending history remains under your control. β€” FEATURES β€” Automatic Expense Tracking Capture expenses automatically from bank SMS alerts. Every UPI payment, card transaction, ATM withdrawal, and account debit is recorded without manual effort. Smart Expense Categorization Automatically categorize spending into groceries, dining, fuel, shopping, bills, subscriptions, EMIs, travel, and more. Correct a category once and iLekka remembers your preference. Budgeting & Spending Analytics Understand where your money goes with monthly spending reports, category-wise breakdowns, trends, and insights. Personal Finance Dashboard Track your expenses, analyze spending habits, and make smarter financial decisions with a clear overview of your money. β€” BUILT FOR INDIA β€” Designed specifically for Indian banking and payment systems. β€’ UPI transactions β€’ Bank SMS alerts β€’ Debit cards β€’ Credit cards β€’ Net banking β€’ Major Indian banks No manual bookkeeping. No spreadsheets. No receipt scanning. β€” FREE FOR 60 DAYS β€” Get full access to all features free for 60 days. No credit card required. After the trial ends, choose either: β€’ Monthly Subscription β€’ Lifetime Access (one-time purchase) An active subscription or lifetime purchase is required to continue using iLekka after the trial period. β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€” SUBSCRIPTION & PRICING β€’ Payment is charged to your Apple ID upon purchase confirmation. β€’ Subscriptions automatically renew unless cancelled at least 24 hours before renewal. β€’ Your account will be charged for renewal within 24 hours before the current subscription period ends. β€’ Manage or cancel subscriptions anytime from Apple ID Settings β†’ Subscriptions. Privacy Policy: https://shared-record-5ae.notion.site/Privacy-Policy-35ba4adcfaf68048b753e6718ae5039b Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€” iLekka. Know your money.

Screenshots

Expense Tracker4 screens
iLekka4 screens

Verdict

The call

The clearest difference is update cadence: iLekka at every 2 days against Expense Tracker's fortnightly. iLekka also leads on iOS requirement (18.2 vs 26.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Expense Tracker sells 2 in-app purchases, starting at $4.99 per month and iLekka sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Expense Tracker ships an update fortnightly, iLekka every 2 days. Both last shipped on September 21, 2026.

Scorecard2 real differences Β· 6 level
Expense Tracker versus iLekka: the parameters behind the verdict, then further details
ParameterExpense TrackeriLekka
PriceFreeFree
Positive reviewsβ€”100.0% of reviews
Update frequencyFortnightlyEvery 2 days β€” better
AdsNoNo
In-app purchasesYesYes
Monetizationβ€”Free with in-app purchases
DevicesiPhoneiPhone
Requires iOS26.018.2 β€” better
Further details β€” not scored
Size21 MB37 MB
Age rating4+4+
DeveloperAbir MajumderGagan Krishne

In-app purchases

2 purchases

Expense Tracker

Subscriptions2
  • Monthly Premium$4.991 Month
  • Annual Premium3 Days trial$29.991 Year
2 purchases

iLekka

Subscriptions1
  • iLekka Pro Monthly2 Months trial$0.991 Month
One-time1
  • iLekka Pro$9.99

Questions

Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Is iLekka free?
iLekka is free to download, with in-app purchases available.
Do Expense Tracker or iLekka have ads?
Neither Expense Tracker nor iLekka shows ads.
Which is updated more often, Expense Tracker or iLekka?
Expense Tracker ships an update fortnightly, and iLekka every 2 days. Most recently, Expense Tracker was updated on September 21, 2026 and iLekka on September 21, 2026.

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