Comparison

Expense Tracker vs Settl

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

Head to head
About

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.

Highlights
  • Voice-first expense tracking
  • Instant logging
  • Smart categorization
  • Clean and simple interface
  • Built for speed
Features
Read full description

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/

About

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.

Highlights
  • 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
Read full description

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

Expense Tracker4 screens
Settl4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Expense Tracker ships an update monthly, Settl every 6 days. The most recent releases landed on October 31, 2026 and November 9, 2026 respectively.

Scorecard3 real differences · 6 level
Expense Tracker versus Settl: the parameters behind the verdict, then further details
ParameterExpense TrackerSettl
PriceFreeFree
Rating5.0 (1 ratings)5.0 (1 ratings)
Number of ratings11
Update frequencyMonthlyEvery 6 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.115.0 — better
Further details — not scored
Size51 MB85 MB
Age rating4+4+
DeveloperMUHAMMED KAPLANRahul Raina

In-app purchases

2 purchases

Expense Tracker

Subscriptions2
  • SpendVoice Pro Monthly7 Days trial$2.991 Month
  • SpendVoice Pro Yearly14 Days trial$19.991 Year
None

Settl

No in-app purchases

Questions

Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Is Settl free?
Settl is free to download, with no in-app purchases.
Which has better reviews, Expense Tracker or Settl?
Expense Tracker and Settl are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.
Do Expense Tracker or Settl have ads?
Neither Expense Tracker nor Settl shows ads.
Which is updated more often, Expense Tracker or Settl?
Expense Tracker ships an update monthly, and Settl every 6 days. Most recently, Expense Tracker was updated on October 31, 2026 and Settl on November 9, 2026.

Other comparisons