# Expense Tracker vs Settl

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.

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.

## The numbers

| Metric | Expense Tracker | Settl |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/expense-tracker-spendvoice/id6760256014/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/settl-split-bills-by-voice/id6764597359/reviews) |
| Number of ratings | 1 | 1 |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Monthly | **Every 5 days** |
| Monetization | Freemium | **Free** |
| Size | 51 MB | 80 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [MUHAMMED KAPLAN](https://appshunter.io/developer/1824959244) | [Rahul Raina](https://appshunter.io/developer/1895844278) |

## What reviewers say

### Expense Tracker

[App page](https://appshunter.io/ios/app/expense-tracker-spendvoice/id6760256014)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendVoice Pro Monthly | $2.99 | per month |
| SpendVoice Pro Yearly | $19.99 | per year |


### Settl

[App page](https://appshunter.io/ios/app/settl-split-bills-by-voice/id6764597359)

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

**In-app purchases:** none


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