Expense Tracker vs Settl
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Expense Tracker
Effortlessly log daily expenses by simply speaking them. This app offers instant recording and smart categorization with a clean, fast interface, making financial tracking quick and intuitive.
- Voice-first expense tracking
- Instant logging
- Smart categorization
- Clean and simple interface
- Built for speed
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Track your expenses in seconds — just by speaking. SpendVoice is the fastest way to log your daily expenses. No typing, no forms. Just say what you spent and it's recorded instantly. Why SpendVoice? • Voice-first tracking • Instant logging • Smart categorization • Clean and simple interface • Built for speed Perfect for everyday use — coffee, Uber, shopping. Just speak and move on. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Settl
Easily split expenses with friends and family using voice commands. Log, split, and track shared costs for trips, dinners, or rent, with automatic currency conversion for travel. Offers a voice-first experience but also supports traditional tap-based input.
- Voice-activated expense logging
- Flexible splitting methods
- Group and individual expense tracking
- Multi-currency support with auto-conversion
- Detailed activity feed
- Optional tap-based interface
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Splitting a bill should take one sentence, not six taps. Settl is the voice-first way to split expenses with friends, roommates, and travel buddies. Tap the mic, say what happened, and the expense is logged, split, and currency-tagged — in about a second. "I paid forty bucks for sushi with Alex." → Logged. Split equally. Categorized. Done. "From my Japan trip: 80 ramen Tuesday, 200 hotel Wednesday, 50 souvenirs Thursday." → Three expenses, dated correctly, converted from yen automatically. EVERYTHING BY VOICE — OR TAP IF YOU PREFER A single mic button sits at the bottom of every screen. Groups, expenses, settlements, friends, history — all reachable by talking. Don't want to talk? Every action still works the old-fashioned way. WHAT YOU CAN DO • Split any expense — equally, by exact amounts, by percentage, or by shares • Group trips, shared houses, and one-off dinners — or settle 1-on-1 with a friend • Track who owes whom across every group, in one clean balance • Multi-currency, auto-converted at daily exchange rates — perfect for travel • See a full activity feed of every change
Screenshots
Verdict
The clearest difference is in-app purchases: Settl at none against Expense Tracker's 2. Settl also leads on update cadence (every 5 days vs monthly). On price, rating, ratings volume 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
Both are free to download. Expense Tracker sells 2 in-app purchases, starting at $2.99 per month. Settl asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 5.0 for Expense Tracker against 5.0 for Settl. Both are backed by a comparable volume of ratings — 1 and 1 respectively.
Expense Tracker ships an update monthly, Settl every 5 days. The most recent releases landed on October 9, 2026 and October 10, 2026 respectively.
| Parameter | Expense Tracker | Settl |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (1 ratings) |
| Number of ratings | 1 | 1 |
| Update frequency | Monthly | Every 5 days — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | Free — better |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 51 MB | 80 MB |
| Age rating | 4+ | 4+ |
| Developer | MUHAMMED KAPLAN | Rahul Raina |
In-app purchases
Expense Tracker
- SpendVoice Pro Monthly7 Days trial$2.991 Month
- SpendVoice Pro Yearly14 Days trial$19.991 Year
Settl
No in-app purchases









