# Moneta vs Zero

The clearest difference is price: Moneta at Free against Zero's $2.99. Zero's advantage is in-app purchases (none vs 2) and chart position (#106 vs unranked). On review sentiment, update cadence, ads and iOS requirement there is nothing between them.

Moneta is free to download; Zero costs $2.99 up front. Moneta sells 2 in-app purchases, starting at $2.99 per month. Zero asks for nothing beyond the download.

Moneta ships an update every 3 days, Zero every 4 days. Both last shipped on October 31, 2026.

## The numbers

| Metric | Moneta | Zero |
| --- | --- | --- |
| Price | **Free** | $2.99 |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/moneta-budget-tracker/id6759993693/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 3 days** | Every 4 days |
| Monetization | **Freemium** | Paid |
| Best chart rank | — | **#106** |
| Size | 24 MB | 52 MB |
| Requires iOS | 18.0 | **17.4** |
| Devices | iPhone, iPad | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Nathaniel Brion Sison](https://appshunter.io/developer/1571263497) | [Bryl Kezter Lim](https://appshunter.io/developer/1609198408) |

## What reviewers say

### Moneta

[App page](https://appshunter.io/ios/app/moneta-budget-tracker/id6759993693)

This app helps you manage your monthly budget by splitting your allowance into custom envelopes for different spending categories. It tracks your remaining balance for the month and daily spending limits, allowing you to log expenses quickly and view your financial trends. You can also share budgets with others and choose to sync data via Apple or Google sign-in.

**Highlights:** Envelope budgeting, Daily spending limits, Expense logging, Budget sharing, Monthly trends, Currency selection

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $2.99 | per month |
| Annual | $19.99 | per year |


### Zero

[App page](https://appshunter.io/ios/app/zero-finance-tracker/id6818018555)

**Currently charting:** #106 Top Paid · Finance (US App Store)

Effortlessly track your finances using natural language input. Log expenses, income, and payments by simply typing or scanning receipts. Gain insights into spending habits, manage budgets, and forecast your financial future.

**Highlights:** Natural language expense logging, Receipt scanning, Multi-currency account tracking, Budgeting and savings goals, Bill and payday reminders, Offline functionality, Data export to CSV

**Features:** Apple Watch app, Vision Pro support, iPhone Duo support

**In-app purchases:** none


## Frequently asked questions

### Is Moneta free?

Moneta is free to download, with in-app purchases available.

### Is Zero free?

Zero costs $2.99, with no in-app purchases.

### Do Moneta or Zero have ads?

Neither Moneta nor Zero shows ads.

### Which is updated more often, Moneta or Zero?

Moneta ships an update every 3 days, and Zero every 4 days. Most recently, Moneta was updated on October 31, 2026 and Zero on October 31, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*