Comparison

Quoba vs Settle

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

Head to head
About

Quoba

Features
Read full description

WHERE DID YOUR MONEY GO? Most expense apps promise to fix your finances. They deliver spreadsheets, budgets, and complexity instead. Quoba is different. One idea: knowing where your money goes shouldn't feel like work. β€”β€” LOG ANY EXPENSE IN 2 SECONDS Tap. Enter the amount. Save. No form to fill. No account to create. No learning curve. Just a fast, frictionless habit you'll actually keep. β€”β€” SUBSCRIPTIONS, ALWAYS IN SIGHT See all your recurring expenses in one clear list β€” streaming, gym, software, everything. Know exactly what's coming out of your account before it does. β€”β€” YOUR FULL SPENDING HISTORY Every expense, organized by month and category. Scroll back any time to see exactly where things went. β€”β€” EXPORT WITH ONE TAP Need your data? Export everything to CSV and open it in any spreadsheet app β€” for taxes, reviews, or just peace of mind. β€”β€” BUILT FOR AWARENESS, NOT ANXIETY No budgets. No targets. No alerts when you overspend. Just clarity. When you see your spending consistently, better habits follow on their own. β€”β€” PAY ONCE. YOURS FOREVER. No subscription. No monthly fee. No hidden costs. Buy it once β€” it's yours. β€”β€” WHO QUOBA IS FOR β€’ You want a simple daily spending log β€’ You're tired of apps that feel like homework β€’ You want better money awareness without the overwhelm β€’ You prefer a clean, minimalist alternative to complex budget tools β€”β€” FEATURES β€’ Log expenses in seconds β€” tap, enter, save β€’ Track recurring expenses & subscriptions β€’ Full spending history by month & category β€’ Export to CSV with one tap β€’ Minimalist design, no clutter β€’ No account required β€’ No subscription β€” pay once, keep forever β€”β€” Start simple. Stay aware. One expense at a time.

About

Settle

Features
Read full description

Track your money in seconds. Private, simple, and yours. Settle makes it easy to log expenses, set budgets, and see where your money goes. β€’ Drag to log, or add in a couple of taps β€’ Multiple accounts with multi-currency support β€’ Transfers between your own accounts, and a spend can become one at any time β€’ Budgets and monthly spending insights β€’ Clean charts, light and dark themes β€’ No sign-up, no ads, no tracking SETTLE PRO β€’ Automation: pay with your phone and the expense lands in your budget on its own, with the phone locked and the app closed. A shop Settle knows goes straight to its category; anything new waits in Review, where one fix teaches it for good β€’ Restore points: snapshots of your data you can roll back to, kept on the device and in your own iCloud Drive, so they survive a reinstall β€’ Recurring rules: rent, subscriptions, and bills record themselves on schedule β€’ monobank sync, for accounts in Ukraine: cards and jars import themselves, so the day is already logged WHERE YOUR DATA LIVES There is no Settle account and no Settle server. Your finances sit in a database on your phone. Bank data travels between your device and your own bank. Restore points go to your own iCloud Drive. We cannot see any of it. Available in English and Ukrainian. SUBSCRIPTION Settle Pro costs $2.99 per month or $19.99 per year, starting with a 14-day free trial. Payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically unless you cancel at least 24 hours before the current period ends. Manage or cancel it at any time in your Apple Account settings. Any unused part of a free trial is forfeited if you subscribe before it ends. Terms of Use (Apple standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://juisemad.github.io/settle-privacy/

Screenshots

Quoba4 screens
Settle4 screens

Verdict

The call

The clearest difference is update cadence: Settle at every 4 days against Quoba's monthly. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Quoba ships an update monthly, Settle every 4 days. The most recent releases landed on September 14, 2026 and September 16, 2026 respectively.

Scorecard1 real difference Β· 5 level
Quoba versus Settle: the parameters behind the verdict, then further details
ParameterQuobaSettle
PriceFreeFree
Update frequencyMonthlyEvery 4 days β€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhoneiPhone
Requires iOS17.016.4 β€” better
Further details β€” not scored
Size3 MB49 MB
Age rating4+4+
DeveloperMikhail FilippovEduard Kovtun

In-app purchases

None

Quoba

No in-app purchases

None

Settle

No in-app purchases

Questions

Is Quoba free?
Quoba is free to download, with no in-app purchases.
Is Settle free?
Settle is free to download, with no in-app purchases.
Do Quoba or Settle have ads?
Neither Quoba nor Settle shows ads.
Which is updated more often, Quoba or Settle?
Quoba ships an update monthly, and Settle every 4 days. Most recently, Quoba was updated on September 14, 2026 and Settle on September 16, 2026.

Other comparisons