Comparison

Settle Book vs Mochi

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

Head to head
About

Settle Book

Features
Read full description

Take Control of Your Money - All in One Place Managing money shouldn’t be stressful. This app helps you track debts, daily expenses, and subscriptions so you always know where your money goes. Whether you owe friends, pay monthly bills, or want to improve spending habits, everything is organized in one clean and simple dashboard. -> Track Debts Easily Keep a clear record of money you owe or lent. • Add bank loans, friends & family debts • Monitor remaining balances • Track payments and progress • Stay organized and avoid missed repayments -> Monitor Daily Expenses Understand your spending habits and improve budgeting. • Log expenses in seconds • View monthly spending trends • Analyze where your money goes • Build smarter financial habits -> Manage Subscriptions Stop forgetting recurring payments. • Track active & inactive subscriptions • Get billing cycle insights • Know upcoming renewal dates • Avoid surprise charges -> Powerful Analytics Make better decisions with clear insights. • Spending distribution charts • Monthly trends and breakdowns • Subscription billing analysis -> Why You’ll Love It • Simple and clean design • Easy to use and fast • All finances in one place • Built for everyday use Start your journey towards better money management today.

About

Mochi

This app offers a calm and minimal way to track your spending without overwhelming features. It focuses on simple awareness, allowing you to quickly log expenses and gain insights into your spending habits. Designed for privacy, your data stays on your device.

Highlights
  • Fast manual expense logging
  • Recurring expenses
  • Clean, distraction-free interface
  • Refined insights and spending history
  • Search and filters for past entries
  • Home screen widgets
  • Privacy-first design
Features
Read full description

Mochi is a calm, minimal way to track your spending. Most expense apps try to do too much — budgets, charts, alerts, goals, and endless setup. Mochi takes a different approach. It focuses on simple awareness, so you can log what you spend and move on with your day. There’s no pressure to optimize. No accounts to connect. No dashboards to manage. Just open, log, and close. FEATURES • Fast manual expense logging • Recurring expenses • Clean, distraction-free interface • Refined insights and spending history • Search and filters for past entries • Daily and weekly spending reflections • Custom payment methods • Home screen widgets • Light, Dark, and OLED themes DESIGNED TO FEEL CALM Mochi is built to stay out of your way. There are no ads, no data selling, and no tracking across apps. Your data stays on your device. WHO IT’S FOR Mochi is for people who want to stay aware of their spending without turning it into a project. If you’ve ever felt overwhelmed by budgeting apps, Mochi might be a better fit. SUBSCRIPTIONS Mochi offers optional subscriptions and a lifetime purchase to unlock additional features. You can manage or cancel subscriptions anytime in your App Store account. Privacy-first. Simple by design. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Settle Book4 screens
Mochi4 screens

Verdict

The call

The clearest difference is update cadence: Mochi at every 3 days against Settle Book's weekly. Settle Book's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 26.0). 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. Settle Book sells 1 one-off in-app purchase and Mochi sells 3 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Settle Book ships an update weekly, Mochi every 3 days. The most recent releases landed on June 17, 2026 and August 21, 2026 respectively.

Scorecard3 real differences · 5 level
Settle Book versus Mochi: the parameters behind the verdict, then further details
ParameterSettle BookMochi
PriceFreeFree
Positive reviews—100.0% of reviews
Update frequencyWeeklyEvery 3 days — better
AdsNoNo
In-app purchasesYesYes
Monetization—Freemium
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better26.0
Further details — not scored
Size44 MB19 MB
Age rating17+4+
DeveloperHasan Raza KhanHarsha Chaganti

In-app purchases

1 purchases

Settle Book

One-time1
  • SettleBook Lifetime Premium$9.99
3 purchases

Mochi

Subscriptions2
  • Mochi+ Monthly3 Days trial$2.991 Month
  • Mochi+ Annual3 Days trial$19.991 Year
One-time1
  • Mochi+ Lifetime$39.99

Questions

Is Settle Book free?
Settle Book is free to download, with in-app purchases available.
Is Mochi free?
Mochi is free to download, with in-app purchases available.
Do Settle Book or Mochi have ads?
Neither Settle Book nor Mochi shows ads.
Which is updated more often, Settle Book or Mochi?
Settle Book ships an update weekly, and Mochi every 3 days. Most recently, Settle Book was updated on June 17, 2026 and Mochi on August 21, 2026.

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