Comparison

Lode vs Expense Tracker

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

Head to head
About

Lode

This AI-powered finance app automatically logs your expenses from bank notifications and Apple Pay. It helps you manage budgets, track bills, and plan for trips without requiring bank logins. Your data is securely stored in your iCloud.

Highlights
  • Automatic expense logging from notifications
  • AI-powered transaction categorization
  • Budget and bill tracking
  • Trip budgeting and expense management
  • Receipt scanning and import
  • iCloud sync for iPhone and iPad
Features
Read full description

Lode is the AI budget and expense tracker for iPhone. It logs payments from your bank’s notifications and Apple Pay, keeps budgets, bills and trips in check, and stores everything in your own iCloud. PAY AS USUAL. LODE WRITES IT DOWN Your bank already sends a notification for every payment. Lode turns each one into a transaction — no typing, no bank login. - You pay: By card, online or with Apple Pay. Your bank sends its usual notification. Bank notifications need iOS 27; Apple Pay works on iOS 18 and later. - Lode logs it: Amount, merchant and category — income too — without you opening the app. - It asks when unsure: Cash from an ATM, or a charge that may be one of your bills? One tap in a notification decides. FAST TO LOG. EASY TO PLAN - AI chat, voice and receipts: Type “coffee 5”, say it out loud or snap a receipt. Lode fills in the category, currency and date. Premium, with 3 free voice entries a month. - Budgets that fit your payday: An overall budget, limits per category and an income plan — with the month starting on the day you get paid. - Bills and subscriptions: Recurring payments are logged on schedule, and a free trial ends with a reminder, not a surprise charge. - Goals and debts: Save toward a trip or a laptop at your own pace, and keep track of who owes whom. - Shared accounts: Share an account with a partner or family through iCloud. Everyone keeps their own accounts private. Sharing needs Premium; joining is free. - Statistics and reports: See where the money goes by category, day and trip, and export the month as a PDF report. - Import a CSV, Excel or PDF bank statement, or an export from another finance app — Lode recognizes the columns and uses Lode AI for unusual layouts and PDFs. EVERY TRIP BUDGETED. EVERY COUNTRY STAMPED Set the country and dates, and every expense on those days goes into the trip — in any currency, against its own budget. - See what a day on the road cost, place by place - A passport stamp for every country, and how much of the world you’ve seen - Your trip on the Lock Screen as a Live Activity - 150+ currencies, booked at the rate of the day you paid WORKS THE WAY YOUR iPhone DOES - Siri & Shortcuts: “Log expense in Lode” — hands-free. - Widgets: Balance, budget and spending on your Home and Lock Screen. - Live Activities: The trip you’re on, right on the Lock Screen. - iCloud sync: Your iPhone and iPad, always in step. - Hide amounts: Tap the balance to cover every figure before you hand the phone over. NO BANK LOGIN. NO ACCOUNT. NO TRACKING - No bank password: Lode never connects to your bank. Payments come from the notifications already on your iPhone. - No account: No sign-up and no email. Open the app and start. - Your iCloud, not our servers: Your data lives on your iPhone and syncs through your own iCloud. - No ads or trackers: Nothing is sold or profiled. AI only sees what you send it, and nothing is stored. START FREE. UPGRADE WHEN YOU'RE READY Core tracking and automatic logging are free forever. Premium unlocks Lode AI, deeper insights and no limits. Know where your money goes. Always. Terms of Use (EULA): https://lodefinance.com/term-of-use Privacy Policy: https://lodefinance.com/privacy-policy

About

Expense Tracker

Features
Read full description

Finally, the money tracker you've been looking for. Monveo helps you track spending, manage budgets, monitor your net worth, and stay in control of your finances without the complexity. Designed to be simple, fast, and flexible, Monveo gives you multiple ways to record transactions and a complete view of your financial life in one place. MULTIPLE WAYS TO RECORD EVERY TRANSACTION Record expenses and income however you prefer: • Voice input • Camera receipt scanning • Siri Shortcuts • Back Tap actions • Share Extension • Shortcuts automation • Manual entry Choose the method that fits naturally into your daily routine. SMART BUDGETING MADE SIMPLE Set category budgets, monitor spending, and keep your finances on track with clear progress tracking and actionable insights. WATCH YOUR NET WORTH GROW Track cash, savings, investments, assets, and liabilities in one place. See your financial progress over time with beautiful charts and reports. SHARED SPACES FOR FAMILY & PARTNERS Create shared spaces and invite others to manage finances together. Perfect for couples, families, roommates, or accountability partners. ORGANIZE YOUR FINANCES YOUR WAY • Custom categories • Transaction tags • Recurring transactions • Smart reminders • Personalized financial views POWERFUL INSIGHTS Understand where your money goes with spending analytics, trends, reports, and financial insights designed to help you make better decisions. IMPORT & EXPORT YOUR DATA Bring your financial records with you and export your data whenever you need it. FEATURES • Expense & income tracking • Budget management • Net worth tracking • Shared Spaces • Transaction tags • Recurring transactions • Reminders • Receipt scanner • Siri Shortcuts • Shortcuts & Back Tap support • Import & Export • Analytics & insights • Personalized experience Whether you're building better money habits, managing a household budget, or tracking long-term financial growth, Monveo helps you stay organized and focused on what matters. Simple. Fast. Easy to use. Privacy Policy: https://www.monveo.site/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Lode4 screens
Expense Tracker4 screens

Verdict

The call

The clearest difference is iOS requirement: Expense Tracker at 16.4 against Lode's 18.0. On price, update cadence, ads and in-app purchases 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. Lode sells 3 in-app purchases, starting at $3.99 per month and Expense Tracker sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Lode ships an update every 5 days, Expense Tracker every 4 days. Both last shipped on November 9, 2026.

Scorecard1 real difference · 9 level
Lode versus Expense Tracker: the parameters behind the verdict, then further details
ParameterLodeExpense Tracker
PriceFreeFree
Rating5.0 (8 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings8 — better—
Update frequencyEvery 5 daysEvery 4 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.016.4 — better
Further details — not scored
Size112 MB96 MB
Age rating4+4+
DeveloperKyrylo SvystunShobrun Bagastio

In-app purchases

3 purchases

Lode

Subscriptions2
  • Lode Premium$3.991 Month
  • Lode Premium3 Days trial$29.991 Year
One-time1
  • Lifetime Premium$59.99
2 purchases

Expense Tracker

Subscriptions2
  • Monveo Pro Monthly$1.991 Month
  • Monveo Pro Yearly$11.991 Year

Questions

Is Lode free?
Lode is free to download, with in-app purchases available.
Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Do Lode or Expense Tracker have ads?
Neither Lode nor Expense Tracker shows ads.
Which is updated more often, Lode or Expense Tracker?
Lode ships an update every 5 days, and Expense Tracker every 4 days. Most recently, Lode was updated on November 9, 2026 and Expense Tracker on November 9, 2026.

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