Plan Personal Budget vs Expense Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Plan Personal Budget
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Plan Personal Budget helps you take full control of your monthly finances. Create budgets for every month, track your income and expenses, and always know exactly where your money goes. **Plan Your Monthly Budget** Set up a budget for each month with your planned income and expenses. Choose from 10 built-in categories like Housing, Food, Transport, Health, and more. Assign a color theme to each month for easy visual organization. **Three Ways to Track Expenses** - Regular expenses - check them off as you pay - Automatic expenses - always deducted, like subscriptions and recurring bills - Before-paycheck expenses - track spending before your income arrives, kept separate from your monthly balance **Multiple Income Sources** Track income from different sources - salary, freelance, rental, and more. Compare planned vs. actual income to see exactly where you stand each month. **Beautiful Charts & Analytics** Visualize your spending with detailed charts. View monthly comparisons with stacked bar charts, yearly summaries, custom date range analysis, and category breakdowns with percentage insights. **Save Time with Templates** Create reusable budget templates with your regular income and expenses. Apply them when starting a new month, or simply copy expenses from a previous month. **Custom Categories** Go beyond the built-in categories. Create your own expense categories with custom names, icons, and colors to match your spending habits. **iCloud Sync** Keep your budgets in sync across all your Apple devices. Your data stays private in your personal iCloud account. **Privacy & Security** Lock the app with Face ID or Touch ID. Your financial data never leaves your devices and iCloud account - no third-party servers, no tracking, no ads. **Available in 6 Languages** English, Polish, German, Spanish, French, and Ukrainian. **FREE FEATURES** - Create monthly budgets with income tracking - 10 built-in expense categories - Three expense types (regular, automatic, before-paycheck) - Budget templates - 16 color themes - Face ID / Touch ID lock - Light, Dark, and System themes **PRO SUBSCRIPTION** - Multiple income sources per budget - Custom expense categories - Advanced analytics (yearly, custom range, category breakdown) - iCloud sync across devices Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Expense Tracker
Effortlessly track daily income and expenses with a notebook-like interface. On-device AI automatically categorizes your entries, and all data is securely stored locally or synced via iCloud. Customize your experience with various page styles and widgets.
- Notebook-style daily expense and income tracking
- On-device AI for automatic categorization
- Local data storage and private iCloud sync
- Customizable page styles, fonts, and currency
- Home screen widgets for quick overview
- Offline functionality
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YOUR DAILY CASHBOOK: Today Expenses brings the simplicity of a paper notebook to your personal finances. Write naturally — jot down what you spent or earned, and on-device AI fills in the details automatically. No outside servers, no account creation. Everything stays securely in your own iCloud. Each day gets its own page. Turn back to see previous days. Turn forward to plan ahead. HOW IT WORKS Open the app to your Today Page Tap Expense or Income to set the record type Type naturally — "coffee 4.50" or "freelance payment 2500" On-device AI extracts the category and amount instantly Tap any record to edit or correct the details Turn the page to navigate between days RECORD KEEPING Daily notebook page for expenses and income One page per day — navigate forward and back through any date Add, edit, and delete records on any day Tap the metadata panel to correct anything the AI gets wrong Set your own category, amount, and currency manually anytime AI MODELS Two on-device AI models — you choose. Apple Foundation Models — powered by Apple Intelligence. Reads your full note and infers meaning from context. Available on iPhone 15 Pro and later. Pre-Trained Model — trained on 16,700 expense and income notes across 71 categories. Works on every iPhone, with or without Apple Intelligence. Fast, private, fully on-device. Your notes are never sent to any server. Your data is never used to train any model. Switch between models anytime from Settings. PAGE STYLES AND CUSTOMIZATION Multiple paper styles including Classic, Ivory Rose, Obsidian Gold, Sage, and more Choose your font and font size Set your preferred currency and category list Set an initial balance for accurate net tracking BUDGETS Set a budget for any category, or one overall budget for everything Track spending against your budget as you record See how much is left at a glance Adjust or remove a budget anytime CHARTS AND INSIGHTS Net balance tracking over time Spending and income breakdown by category Weekly and monthly overviews 6-month chart and spending calendar HOME SCREEN WIDGETS Today Balance, Today Records, This Week, This Month 6 Month Overview, Spending Calendar, Streak, Category Breakdown Multiple sizes — small, medium, and large Widgets follow your chosen page style theme SYNC AND PRIVACY Stored locally and synced privately to your iCloud via CloudKit No accounts, no sign-up, no outside servers Works fully offline — syncs automatically when you reconnect FREE PERIOD AND PLANS 24 hours of full access to try everything — no card required. Choose a monthly or yearly subscription, or buy once and keep it forever. WHY TODAY EXPENSES? Notebook-style UI that makes recording feel natural Two on-device AI models — Apple Foundation Models or Pre-Trained Model Pre-Trained Model works on every iPhone, no Apple Intelligence needed Budgets by category or for everything, tracked as you write Beautiful page styles, fonts, and home screen widgets Full offline support with automatic iCloud sync No ads. No account required. Your data stays yours. REQUIREMENTS iOS 26 or later and iCloud required. Pre-Trained Model works on every supported device. Apple Foundation Models requires Apple Intelligence on iPhone 15 Pro or later. If unavailable, Pre-Trained Model is used automatically. TRY IT FREE Download and start with 24 hours of full free access — no card required. Privacy Policy: https://www.notion.so/Today-Expenses-Privacy-Policy-3392d576f5a48029a0dedcca7dd3ae31?source=copy_link Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is update cadence: Expense Tracker at every 3 days against Plan Personal Budget's every 3 weeks. On price, ads, in-app purchases and device support 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
Both are free to download. Plan Personal Budget sells 3 in-app purchases, starting at $0.99 per month and Expense Tracker sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.
Plan Personal Budget ships an update every 3 weeks, Expense Tracker every 3 days. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.
| Parameter | Plan Personal Budget | Expense Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (2 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | — | 2 — better |
| Update frequency | Every 3 weeks | Every 3 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | — | Free with in-app purchases |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 26.0 | 26.0 |
| Further details — not scored | ||
| Size | 3 MB | 99 MB |
| Age rating | 4+ | 4+ |
| Developer | Justyna Kowalewska-Kieglerska | Min Thet Maung |
In-app purchases
Plan Personal Budget
- Pro Monthly$0.991 Month
- Pro Yearly$5.991 Year
- Pro LifeTime$14.99
Expense Tracker
- Monthly3 Days trial$3.991 Month
- Yearly$14.991 Year
Questions
Is Plan Personal Budget free?
Is Expense Tracker free?
Do Plan Personal Budget or Expense Tracker have ads?
Which is updated more often, Plan Personal Budget or Expense Tracker?
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