Comparison

ZeroBudget vs Expense Tracker

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

Head to head
About

ZeroBudget

Features
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ZeroBudget is an expense and income tracker for iPhone built for total privacy. Your data stays on your phone: we have no servers, no sign-up and no bank linking. No one else can see your information, not even us. โ€” YOUR PRIVACY โ€” โ€ข Everything is stored only on your iPhone โ€ข The app never sends your data to any server, and we have no access to it โ€ข No account, no email and no bank connection โ€ข Works offline โ€ข No ads or trackers: the App Store privacy label says "Data Not Collected" โ€ข Protected with Face ID, Touch ID or PIN If you back up to iCloud Drive or share via AirDrop, you decide where your data goes. โ€” WHAT YOU CAN DO โ€” โ€ข Zero-based budget: every dollar of your income gets a job โ€ข Heatmap to see where your money goes at a glance (Pro; free for 30 days when you install) โ€ข Log expenses in seconds, scan receipts or just tell Siri โ€ข Credit cards with statement and payment dates, plus installment plans (buy now, pay later) โ€ข Split expenses with family or friends and see who owes you โ€ข Grocery list with a live total that becomes an expense when you're done โ€ข Savings goals, recurring expenses, widgets and reminders โ€” FREE AND PRO โ€” The essentials are free forever, with up to 2 accounts plus cash, 1 goal, 2 installment plans, 2 split expenses and 1 shopping list active at a time. When you install, you try Pro free for 30 days. Pro adds the spending Heatmap, analytics with an end-of-month estimate, import from Excel or CSV, password-protected backup and unlimited everything. Monthly or annual subscription; cancel anytime. Terms: https://araniosoft.com/zeroBudget/terms-en.html Privacy: https://araniosoft.com/zeroBudget/privacy-en.html Support: soporte@araniosoft.com

About

Expense Tracker

Features
Read full description

Moncap - Expense Tracker Moncap helps you log everyday spending before you forget, set a monthly money cap, and understand your spending speed at a glance. Open the app to snap receipt photos, add transactions in seconds, review month and week totals, browse spending history, save receipt memories, and see your totals on Home Screen or Lock Screen widgets. No account required. Your transactions stay on your device. The free version includes up to 10 transactions. Moncap Pro unlocks unlimited logging and premium receipt tools. KEY FEATURES Camera-First Expense Logging Capture receipt photos and log coffee, food, rides, bills, and everyday spending in seconds. Moncap is built for speed so you remember transactions before they slip away. Monthly Money Cap & Safe Spending Speed Set a monthly cap during onboarding and see how Moncap turns it into simple daily, weekly, monthly, and yearly checkpoints. Stay aware of how fast you are spending before the month is almost over. Analyze Your Spending See month, week, and today totals, calendar heatmaps, category breakdowns, and day-by-day details. Understand where your money goes without a complicated spreadsheet. History & Receipt Memories Swipe through past days, revisit transactions, and browse receipt memories from the camera screen. Keep a visual record of what you spent and when. Home Screen & Lock Screen Widgets Check spending without opening the app. Add Moncap widgets to your Home Screen for month, week, and today totals, or add the Lock Screen widget to keep today's spending visible. Categories & Custom Labels Organize spending with built-in categories like Food, Coffee, Transport, Shopping, Bills, Health, Fun, and Other. Add your own categories so tracking matches your life. Money Streak Build a simple daily habit around logging spends. Track your current streak and best streak as you return each day to stay on top of your money. Daily Reminders & Recaps Set gentle reminders that fit your day. Moncap can nudge you to log spending, send an evening recap, and share a month recap on the first of each month. Multi-Currency Support Choose from popular currencies or follow your phone locale so amounts feel natural wherever you are. PERFECT FOR People who want to spend less each month Staying under a personal monthly money cap Seeing where everyday money goes Remembering coffee, food, rides, and small purchases quickly Checking month, week, and today totals from widgets Building a simple daily expense logging habit Anyone who wants a fast receipt camera tracker without a full accounting app MONCAP PRO One subscription unlocks the full Moncap experience on all your devices. Unlimited transactions Import or update receipt images from your photo library Switch between front and back camera Save receipt photos to your library All future Pro features Subscription: Moncap Pro โ€” Weekly $2.99 or Yearly $9.99. Auto-renewing. Payment is charged to your Apple ID account at confirmation of purchase. Auto-renewal: Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage: You can manage or cancel your subscription anytime in your Apple ID account settings after purchase. Privacy Policy: https://luchv.com/moncap/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

ZeroBudget4 screens
Expense Tracker4 screens

Verdict

The call

The clearest difference is update cadence: Expense Tracker at daily against ZeroBudget's weekly. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. ZeroBudget sells 2 in-app purchases, starting at $5.99 per month and Expense Tracker sells 2 in-app purchases, starting at $1.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

ZeroBudget ships an update weekly, Expense Tracker daily. The most recent releases landed on October 4, 2026 and October 16, 2026 respectively.

Scorecard1 real difference ยท 5 level
ZeroBudget versus Expense Tracker: the parameters behind the verdict, then further details
ParameterZeroBudgetExpense Tracker
PriceFreeFree
Update frequencyWeeklyDaily โ€” better
AdsNoNo
In-app purchasesYesYes
DevicesiPhoneiPhone
Requires iOS17.0 โ€” better18.0
Further details โ€” not scored
Size12 MB14 MB
Age rating4+4+
DeveloperRAUL DOMINGUEZ UGARTEHa Viet Luc

In-app purchases

2 purchases

ZeroBudget

Subscriptions2
  • ZeroBudget Pro Monthly$5.991 Month
  • ZeroBudget Pro Anual$39.991 Year
2 purchases

Expense Tracker

Subscriptions2
  • Moncap Pro Weekly$1.997 Days
  • Moncap Pro Yearly$9.991 Year

Questions

Is ZeroBudget free?
ZeroBudget is free to download, with in-app purchases available.
Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Do ZeroBudget or Expense Tracker have ads?
Neither ZeroBudget nor Expense Tracker shows ads.
Which is updated more often, ZeroBudget or Expense Tracker?
ZeroBudget ships an update weekly, and Expense Tracker daily. Most recently, ZeroBudget was updated on October 4, 2026 and Expense Tracker on October 16, 2026.

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