Comparison

zero vs Expense Tracker

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

Head to head
About

zero

This app helps you track expenses and manage money owed without requiring an account or internet connection. It offers a clean interface for quick entry, custom categories, and visual reports to understand your spending. Your financial data remains private and is stored locally on your device.

Highlights
  • Offline expense tracking
  • No account required
  • Track money owed and lent
  • Customizable categories
  • Visual spending reports
  • Data export and import
  • Privacy-focused local storage
Features
Read full description

WHY zero? Most finance apps want your data. zero wants nothing. • No account required: start tracking in seconds • No internet needed: works 100% offline • No ads, no subscriptions: completely free • No data collection: your finances stay private TRACK EXPENSES EFFORTLESSLY Add expenses in seconds with a clean, minimal interface designed for daily use. • Quick entry with amount, title & category • Custom categories with icons and colors • Date picker for past expenses • Notes and descriptions for every transaction MANAGE MONEY YOU OWE & ARE OWED Never forget an IOU again. • Track money you lent and borrowed • Organize by person with custom icons • See total balances at a glance BEAUTIFUL REPORTS & INSIGHTS Understand your spending with clear, visual reports. • Monthly expense breakdown with pie charts • Daily spending calendar heatmap • Category-wise analysis • Filter by month and year DESIGNED FOR YOU • Dark mode & light mode • Multiple currency support • Export & import your data • Fast, lightweight, battery-friendly PRIVACY BY DESIGN Zero is built on a simple principle: your money, your business. All data is stored locally on your device. No servers, no cloud, no sync, no analytics, no third-party SDKs. Your financial data never touches the internet. Download zero and take control of your finances, privately.

About

Expense Tracker

Features
Read full description

Take control of your finances with ExpenseNinja, the powerful expense tracker, money tracker, and budget planner designed to help you understand where your money goes. Track spending, manage budgets, scan receipts, and gain insights into your financial habits all in one simple and privacy first app. ExpenseNinja makes personal finance easy, fast, and secure. No accounts No subscriptions Your financial data stays on your device TRACK EVERY EXPENSE ExpenseNinja is a powerful expense manager and spending tracker that helps you record transactions quickly and stay on top of your finances. * Add expenses and income in seconds * Organize transactions with categories * Search and filter your spending * Edit or delete transactions anytime * See your balance and monthly summary instantly Whether you are tracking daily spending or managing monthly expenses, ExpenseNinja keeps everything organized. YOUR PERSONAL FINANCE ASSISTANT ExpenseNinja includes an intelligent AI money assistant that helps you manage finances using natural language. Examples: * Spent 12 on coffee * Show my expenses this month * Create a 500$ food budget * What are my biggest expenses The AI instantly records transactions, analyzes spending, and answers financial questions. AI runs entirely offline on your device, keeping your financial data private. SMART BUDGET TRACKER Stay in control of your spending with flexible budget planning tools. * Create weekly, monthly, or yearly budgets * Set budgets for specific categories * Track progress with visual indicators * Get alerts when approaching limits * Monitor spending against your goals ExpenseNinja helps you stay within your limits. RECEIPT SCANNER Quickly turn receipts into expenses. * Total amount extraction * Merchant name detection * Subtotal recognition * Date detection * Line item reading Supports multiple languages and allows attaching receipts to transactions. SPENDING INSIGHTS AND ANALYTICS Understand your financial habits with clear charts and analytics. * Monthly spending overview * Income versus expense trends * Category breakdown charts * Spending history * Budget progress tracking See where your money goes and find ways to save. RECURRING TRANSACTIONS Never forget a subscription or regular bill. * Track subscriptions * Track rent and utilities * Track insurance and salary * Daily, weekly, monthly, yearly options HOME SCREEN WIDGETS Track your finances without opening the app. * Balance overview * Recent transactions * Spending breakdown * Budget progress FULLY PRIVATE AND SECURE ExpenseNinja is built with privacy as a core principle. * No accounts required * No cloud storage * No tracking or analytics * No ads * Data stored locally CUSTOMIZABLE EXPERIENCE Make ExpenseNinja truly yours. * Multiple themes * Multiple currencies supported * Custom spending categories * Personalized onboarding EXPORT YOUR DATA Export your data anytime. * CSV export * PDF reports WHY CHOOSE EXPENSENINJA ExpenseNinja combines the power of an expense tracker, money manager, spending tracker, and budget planner into one simple app. Perfect for: * Personal finance tracking * Budget planning * Expense management * Subscription tracking * Spending analysis Master your money like a ninja. Terms of Use: https://hkrn.dev/#/expenseninja/terms Privacy Policy: https://hkrn.dev/#/expenseninja/privacy

Screenshots

zero4 screens
Expense Tracker4 screens

Verdict

The call

The clearest difference is in-app purchases: zero at none against Expense Tracker's 1. zero also leads on device support (3 vs 1) and iOS requirement (15.1 vs 26.2). On price and ads 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. Expense Tracker sells 1 one-off in-app purchase. zero asks for nothing beyond the download.

Scorecard3 real differences · 7 level
zero versus Expense Tracker: the parameters behind the verdict, then further details
ParameterzeroExpense Tracker
PriceFreeFree
Rating3.3 (3 ratings) — better—
Positive reviews66.7% of reviews—
Number of ratings3 — better—
Update frequencyEvery 2 weeks—
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better26.2
Further details — not scored
Size31 MB25 MB
Age rating4+4+
DeveloperLossless ProtocolsTOLGA BARIS KOC

In-app purchases

None

zero

No in-app purchases

1 purchases

Expense Tracker

One-time1
  • ExpenseNinja Pro$2.99

Questions

Is zero free?
zero is free to download, with no in-app purchases.
Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Do zero or Expense Tracker have ads?
Neither zero nor Expense Tracker shows ads.

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