Comparison

Tracker 4 vs Skarbo

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

Head to head
About

Tracker 4

Features
Read full description

An app that helps you understand your expenses. Tracker 4 is an expense tracking app designed for clarity and simplicity. Just your real spending — clearly organized and easy to understand. Smart AI Receipt Scanning Take a photo of your receipt and the app will automatically: Recognize purchased items Split them into categories and subcategories Save structured expenses in seconds The AI improves over time. You can correct categories, and the system learns from your edits to become more accurate with every use. Clear Dashboards & Insights Understand where your money goes with powerful yet simple analytics: Spending trends over time Monthly dynamics Category distribution Detailed breakdowns No clutter — just insights that help you make better decisions. Color theme inspired by the Ukrainian Carpathian Mountains Clean, minimal interface focused on usability Tracker 4 is proudly built in Ukraine

About

Skarbo

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
Read full description

Skarbo is the budget and expense tracker that does the typing for you. Snap a receipt — AI reads the store, date, total and every line item, then sorts it all into categories. Import a bank statement — and see the full picture of your money. RECEIPT SCANNING — Store, date, total, items and categories from a single photo — Handles discounts and promo prices — Reads receipts in different languages and currencies — Batch scanning: up to 10 photos at once — Uncertain fields are highlighted for a quick check — Skarbo learns from your corrections BANK STATEMENT IMPORT — CSV and XLSX files from your bank — Columns and account currency detected automatically — Auto-categorization, with your own rules always winning — Transfers between your accounts and cash withdrawals are filtered out; duplicates are caught — A review screen before anything is saved THE FULL PICTURE — Where your money goes: categories, months, merchants — A monthly budget and smart reminders — Spot subscriptions and recurring bills before they renew — Ask in plain words: "how much did I spend on clothes in July?" — Search across all purchases — A home screen widget with this month's total ANY CURRENCY — Receipts and statements in different currencies, together — Converted at the historical rate on the purchase date, not today's — Travel, relocation, shopping abroad — the numbers add up PRIVACY WITHOUT FINE PRINT — No account, no sign-up — Bank statements are parsed right on your phone — Card and account numbers are stripped before anything leaves the device — Receipt photos go to a secure AI service for recognition only — never into any shared database — Delete your data anytime 8 LANGUAGES English, Ukrainian, Russian, Spanish, Portuguese (Brazil), German, French, Italian. FREE & PREMIUM Free: unlimited statement imports, a budget, reports, search, the widget and 10 receipt scans per month. Premium: unlimited scanning plus AI insights and questions about your spending. Free trial included. Subscriptions renew automatically and can be cancelled anytime in your App Store settings. Skarbo — see where your money really goes. 

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://skarbo-legalprivacy.netlify.app

Screenshots

Tracker 44 screens
Skarbo4 screens

Verdict

The call

The clearest difference is ads: Tracker 4 at none against Skarbo's shown. Tracker 4 also leads on iOS requirement (15.1 vs 17.6). On price, update cadence, 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

Tracker 4 ships an update every 3 days, Skarbo every 2 days. The most recent releases landed on October 12, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 8 level
Tracker 4 versus Skarbo: the parameters behind the verdict, then further details
ParameterTracker 4Skarbo
PriceFreeFree
Rating—5.0 (6 ratings) — better
Positive reviews—72.7% of reviews
Number of ratings—6 — better
Update frequencyEvery 3 daysEvery 2 days — better
AdsNo — betterYes
In-app purchasesNoNo
Monetization—Free with in-app purchases
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better17.6
Further details — not scored
Size59 MB41 MB
Age rating4+4+
DeveloperAndrii DenysenkoIhor Roma

In-app purchases

None

Tracker 4

No in-app purchases

None

Skarbo

No in-app purchases

Questions

Is Tracker 4 free?
Tracker 4 is free to download, with no in-app purchases.
Is Skarbo free?
Skarbo is free to download, with no in-app purchases.
Do Tracker 4 or Skarbo have ads?
Skarbo shows ads; Tracker 4 does not.
Which is updated more often, Tracker 4 or Skarbo?
Tracker 4 ships an update every 3 days, and Skarbo every 2 days. Most recently, Tracker 4 was updated on October 12, 2026 and Skarbo on October 24, 2026.

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