# Expensa vs Skarbo

The clearest difference is rating: Skarbo at 5.0 against Expensa's 3.9. Skarbo also leads on update cadence (every 2 days vs every 11 days) and chart position (#195 vs unranked). Expensa's advantage is ads (none vs shown) and review sentiment (86% vs 67%). On price, ratings volume, in-app purchases and monetization model there is nothing between them.

Both are free to download. Expensa sells 7 in-app purchases, starting at $4.99 per month and Skarbo sells 3 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

Skarbo holds the better App Store score, 5.0 against 3.9. Both are backed by a comparable volume of ratings — 10 and 7 respectively. Written reviews complicate that: 86% of Expensa's written reviews are positive against 67% of Skarbo's, so the app with the better star average is not the one people write more warmly about.

Expensa ships an update every 11 days, Skarbo every 2 days. The most recent releases landed on October 26, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Expensa | Skarbo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (10 ratings)](https://appshunter.io/ios/app/expensa-expense-tracker/id6758392205/reviews) | **[5.0 (7 ratings)](https://appshunter.io/ios/app/skarbo-budget-expense-tracker/id6795880230/reviews)** |
| Number of ratings | **10** | 7 |
| Positive reviews | **85.7% of reviews** | 66.7% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 11 days | **Every 2 days** |
| Monetization | Freemium | Free with in-app purchases |
| Best chart rank | — | **#195** |
| Size | 91 MB | 43 MB |
| Requires iOS | **17.0** | 17.6 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Andrii Sereda](https://appshunter.io/developer/1780402701) | [Ihor Roma](https://appshunter.io/developer/6795880233) |

## What reviewers say

### Expensa

[App page](https://appshunter.io/ios/app/expensa-expense-tracker/id6758392205)

This app offers a private way to track expenses and manage budgets without linking bank accounts. It uses AI to automatically categorize transactions and build budgets, with support for over 150 currencies and iCloud syncing for privacy.

**Highlights:** Automatic transaction tracking via Wallet Shortcuts, AI-powered budget creation and categorization, Multi-currency support for travelers, Private iCloud sync, no bank linking, Shared budgets for family and partners, Customizable budget cycles and alerts

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

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Expensa PRO Monthly | $4.99 | per month |
| Expensa PRO Yearly | $39.99 | per year |
| 1 Espresso | $0.99 | one-time |
| 2 Espressos | $1.99 | one-time |
| 4 Espressos | $4.99 | one-time |
| 10 Espressos | $9.99 | one-time |
| Expensa Pro Lifetime | $79.99 | one-time |


### Skarbo

[App page](https://appshunter.io/ios/app/skarbo-budget-expense-tracker/id6795880230)

**Currently charting:** #195 Top Grossing · Finance (US App Store)

Effortlessly track your expenses with AI-powered receipt scanning and bank statement imports. Understand your spending habits, manage budgets, and get smart reminders, all while prioritizing your privacy with no account required.

**Highlights:** AI receipt scanning, Bank statement import, Automatic categorization, Monthly budgeting, Smart reminders, Multi-currency support, Privacy-focused design

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Annual · Early Bird | $29.99 | per year |
| Premium Annual | $49.99 | per year |


## Frequently asked questions

### Is Expensa free?

Expensa is free to download, with in-app purchases available.

### Is Skarbo free?

Skarbo is free to download, with in-app purchases available.

### Which has better reviews, Expensa or Skarbo?

Skarbo is rated higher. Expensa averages 3.9 out of 5 from 10 ratings, while Skarbo averages 5.0 from 7 ratings.

### Do Expensa or Skarbo have ads?

Skarbo shows ads; Expensa does not.

### Which is updated more often, Expensa or Skarbo?

Expensa ships an update every 11 days, and Skarbo every 2 days. Most recently, Expensa was updated on October 26, 2026 and Skarbo on October 31, 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.*