Comparison

zero vs My Track Wallet

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

My Track Wallet

Features
Read full description

Track Wallet helps you record expenses quickly, organize them by wallet and category, and see how today and this month compare to what you planned. Less spreadsheet work, more clarity.

Screenshots

zero4 screens
My Track Wallet4 screens

Verdict

The call

The clearest difference is update cadence: My Track Wallet at daily against zero's every 2 weeks. On price, ads, in-app purchases and device support 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

zero ships an update every 2 weeks, My Track Wallet daily. The most recent releases landed on October 1, 2026 and October 9, 2026 respectively.

Scorecard1 real difference · 9 level
zero versus My Track Wallet: the parameters behind the verdict, then further details
ParameterzeroMy Track Wallet
PriceFreeFree
Rating3.3 (3 ratings) — better—
Positive reviews66.7% of reviews—
Number of ratings3 — better—
Update frequencyEvery 2 weeksDaily — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.1
Further details — not scored
Size31 MB40 MB
Age rating4+4+
DeveloperLossless ProtocolsLuis Uriel Puentes Vega

In-app purchases

None

zero

No in-app purchases

None

My Track Wallet

No in-app purchases

Questions

Is zero free?
zero is free to download, with no in-app purchases.
Is My Track Wallet free?
My Track Wallet is free to download, with no in-app purchases.
Do zero or My Track Wallet have ads?
Neither zero nor My Track Wallet shows ads.
Which is updated more often, zero or My Track Wallet?
zero ships an update every 2 weeks, and My Track Wallet daily. Most recently, zero was updated on October 1, 2026 and My Track Wallet on October 9, 2026.

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