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
Effortlessly split bills and track shared expenses with friends and family. Log expenses by voice, receipt scan, or manual entry. Manage group finances, track IOUs, and settle up easily, even across multiple currencies.
- Voice-activated expense logging
- Receipt scanning for automatic entry
- Multiple splitting methods (equal, itemized, percentage)
- Group management for trips and shared living
- Multi-currency support with exchange rates
- Track IOUs and record payments
- Import history from Splitwise
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Split any bill in one sentence. Say it, scan it, Settl. Settl is the fastest way to split expenses with friends, roommates and travel buddies. Tap the mic, say what happened, and the expense is logged, split and converted in about a second. "Dinner was 240, the Sharmas had the wine, split the rest." Logged. Itemized. Everyone owes the right amount. "From my Japan trip: 80 ramen Tuesday, 200 hotel Wednesday." Two expenses, dated correctly, converted from yen. SAY IT, SCAN IT, OR TAP IT One mic button sits at the bottom of every screen. Point the camera at a receipt and Settl reads the total and the items. Prefer typing? Every action still works by hand. WHAT YOU CAN DO • Split equally, by exact amounts, by percentage, by shares, or item by item • Groups for trips, shared houses, couples and one-off dinners • Settle up 1-on-1 with a friend, no group needed • See who owes whom across every group in one balance • Track IOUs and record payments when someone pays you back • Multi-currency with daily exchange rates, built for travel • Comment on any expense to sort out the details • Import your history from Splitwise in a couple of taps WHY PEOPLE SWITCH You're not bad at money. You just hate asking for it. Every group dinner ends the same way: receipts on the table, half-typed payment requests, someone doing math in a notes app. Older bill-splitting apps solved the ledger. They never solved the chore of logging the thing in the first place. Settl does. Start a group, share the link, and split your next dinner before the check arrives. Questions or feedback? hello@settl.fyi Privacy: https://settl.fyi/privacy Terms: https://settl.fyi/terms
Screenshots
Verdict
The clearest difference is in-app purchases: Settl at none against Expense Tracker's 2. Settl also leads on update cadence (every 6 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 6 days. The most recent releases landed on October 31, 2026 and November 9, 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 6 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 | 85 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









