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

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.

Highlights
  • 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
Read full description

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

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 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

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 5 days. The most recent releases landed on October 9, 2026 and October 10, 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 5 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.115.0 — better
Further details — not scored
Size51 MB80 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 5 days. Most recently, Expense Tracker was updated on October 9, 2026 and Settl on October 10, 2026.

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