Comparison

zero vs Expense

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

zero is an expense tracker that never goes online. No account, no server, no network access. Everything you type stays on your iPhone. WHAT YOU GET • Add an expense in two taps. Pick a category, type the amount, done. Type a title you have used before and the category is chosen for you. • See your month at a glance. Spent, left and today's total sit at the top of the Home screen, with a budget bar that shows how much room is left. • Money in. Record your salary and other income, then see what you received, what you spent and what you kept, side by side. • Refunds. Got money back? Add it to the original expense and it counts in the month it came back, not the month you spent it. • Debts. Keep track of who owes you and who you owe, per person or per account, with the totals up top. • Reports. A monthly breakdown by category, a daily spending calendar and a budget per category. • Sort and arrange. Sort a month by date, category, title or amount. Drag your categories into the order you want. ADD WITHOUT OPENING THE APP • Home Screen widget with your month's total, what is left, and your top categories as one-tap buttons. • Lock Screen and StandBy widgets. • Siri and Shortcuts: say or run "add an expense" and pick the amount. • Action Button and Control Center. • Press and hold the icon for Add expense, Money in or Add again. ALSO • Calculator in amount fields, so 120+45×2 becomes 210 (turn it on in Settings). • Light and dark appearance. • Pick your currency. • Works on iPad and in landscape. • Export a backup file or a CSV, and restore the backup on a new device. WHAT LEAVES YOUR DEVICE Nothing. zero makes no network requests, so it cannot send anything anywhere. No analytics, no crash reporting, no ads, no third-party SDKs. The only copies of your data are the backups you choose to export, and they go wherever you save them. Everything in zero today is free, and nothing you use today will move behind a paywall. Made in India. Questions or ideas? Settings has a feedback link.

About

Expense

Features
Read full description

Expense Offline is an expense tracker that treats your spending with the care of a beautifully typeset page. Log an expense in seconds on a custom keypad, watch your month total update in elegant serif type, and see exactly where your money went — all without an account, a bank connection, or your data ever leaving your device. DESIGNED TO BE FELT • A warm, paper-like canvas with real ink-and-paper typography • Fluid, springy animations and liquid-glass controls • Custom Metal-rendered effects — entries dissolve like ink when deleted • A dark "Ink" mode that's as considered as the light one EFFORTLESS LOGGING • Amount-first entry: open, type, tap a category, done • Optional note and place for context, never required • Edit or delete any expense with a tap or a swipe • A gentle daily reminder at the time you choose (optional) CLEAR INSIGHTS • Month by month review of your spending • Category breakdown with clean, readable proportions • Day-by-day pulse of the month and your largest expenses • Change versus last month, at a glance PRIVATE BY DESIGN • 100% offline — no account, no sync, no tracking, no ads • No banking connections, ever • Your currency and country formatting, your rules • Erase everything at any time FREE AND UNLIMITED PLANS Expense Offline is free for your first 100 expenses. Expense Offline Unlimited removes the limit for below subscriptions: Subscription | Subscription Period | Price for the Subscription -------------------------------------------------------------- Expense Offline Monthly Unlimited | 1 Month | $2.99 Expense Offline Yearly Unlimited | 1 Year | $19.99 Cancel your subscription anytime through your App Store account. Made for people who'd rather understand their spending in ten quiet seconds a day than hand their bank password to a server farm. Privacy Policy: https://www.mindzbase.com/privacy-policy Terms of Use: https://www.mindzbase.com/terms-of-use Support URL : https://www.mindzbase.com/contactus

Screenshots

zero4 screens
Expense4 screens

Verdict

The call

The clearest difference is in-app purchases: zero at none against Expense's 3. zero also leads on update cadence (fortnightly vs every 2 months) and device support (3 vs 1). 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 sells 3 in-app purchases, starting at $0.99 per month. zero asks for nothing beyond the download.

UpkeepUpdate frequency

zero ships an update fortnightly, Expense every 2 months. The most recent releases landed on November 15, 2026 and November 13, 2026 respectively.

Scorecard4 real differences · 6 level
zero versus Expense: the parameters behind the verdict, then further details
ParameterzeroExpense
PriceFreeFree
Rating3.8 (4 ratings) — better—
Positive reviews66.7% of reviews—
Number of ratings4 — better—
Update frequencyFortnightly — betterEvery 2 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better26.0
Further details — not scored
Size32 MB4 MB
Age rating4+4+
DeveloperLossless ProtocolsSG APPs

In-app purchases

None

zero

No in-app purchases

3 purchases

Expense

Subscriptions2
  • Expense Offline Monthly Unlimited$0.991 Month
  • Expense Offline Yearly Unlimited1 Month trial$7.991 Year
One-time1
  • Lifetime Access$9.99

Questions

Is zero free?
zero is free to download, with no in-app purchases.
Is Expense free?
Expense is free to download, with in-app purchases available.
Do zero or Expense have ads?
Neither zero nor Expense shows ads.
Which is updated more often, zero or Expense?
zero ships an update fortnightly, and Expense every 2 months. Most recently, zero was updated on November 15, 2026 and Expense on November 13, 2026.

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