Comparison

Expense Tracker AI vs Heo

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

Head to head
About

Expense Tracker AI

Features
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LensReport is the expense tracker that does more than record what you spent. It reads your receipts, answers questions about your money and shows you concrete ways to spend less. LOG AN EXPENSE IN SECONDS Point your camera at a receipt and the AI fills in the merchant, amount, date and category. In a hurry? Just say it out loud, or type it in. Every expense lands in one clean day-by-day ledger with the category art that makes your spending easy to read at a glance. GET TIPS BASED ON WHAT YOU ACTUALLY BUY Log a coffee and you'll see a tip about coffee. Log groceries and you'll see a tip about groceries. LensReport draws on a library of 200+ practical money-saving tips and matches them to your real spending, so the advice is about your life, not generic finance. FIND CHEAPER OPTIONS NEARBY Logged something you buy often? LensReport can look up nearby places that sell the same thing for less, with real ratings, photos and distance, plus an estimated price so you know what you'd save. ASK AI ABOUT YOUR SPENDING "Where did my money go this month?" "How much do I spend on takeaway?" "Can I still afford $150 this week?" Ask in plain language and get a clear answer with a chart, grounded in your own entries. Every answer comes with a saving plan you can act on. SET A BUDGET THAT'S EASY TO FOLLOW Set a total or per-category budget, monthly, weekly or daily. LensReport shows how much you have left and how many days it needs to last, and lets you know the moment you're heading over. NEVER MISS A RENEWAL Track subscriptions and bills in one place and get a reminder before each renewal, so you're never surprised by a charge you forgot about. A MONTHLY OVERVIEW THAT SPEAKS PLAINLY See what you spent, how it compares to last month, your biggest purchase and your top categories, with short AI-written notes that explain what changed. EXPORT WHEN YOU NEED TO Export your ledger to Excel or PDF, or share a read-only link. BUILT FOR PRIVACY Personal details like emails, phone numbers and card numbers are removed before any AI processing. Your location is only used when you ask for cheaper options nearby and is never stored. FREE TO START Log your first expenses and ask the AI a few questions each day for free. Upgrade for unlimited expenses, more AI questions, budgets, subscriptions and exports. SUBSCRIPTION DETAILS Subscriptions are billed to your Apple ID account and renew automatically unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your App Store account settings at any time. Any unused portion of a free trial is forfeited when you purchase a subscription. LEGAL Terms of Use (EULA): https://lensreport.app/terms Privacy Policy: https://lensreport.app/privacy

About

Heo

Features
Read full description

All Your Money. Finally, One Number. Heo is a multi-currency expense tracker for people who spend across borders, apps, and wallets. Log a coffee in seconds, watch every account roll up into your home currency, and finally know exactly where your money goes. WHY YOU’LL LOVE HEO LOG EXPENSES IN ONE TAP Add an expense with a single tap. Heo learns your habits and suggests the right category based on the amount and time of day, so most entries are finished before you even think about them. EVERY CURRENCY, ONE TOTAL Track cash, bank accounts, cards, and e-wallets in any currency. Heo automatically converts everything into your preferred home currency, giving you one clear view of your finances. No spreadsheets. No mental math. SUBSCRIPTIONS MADE SIMPLE Adding recurring bills takes seconds. Heo suggests popular subscriptions in your country and pre-fills a typical price, which you can adjust to match your actual plan. HANDS-FREE EXPENSE LOGGING (PRO) Capture expenses your way: * Type naturally, like “coffee 65k” * Speak it out loud * Scan a receipt Heo automatically extracts the amount, merchant, and category for you. BUDGETS THAT WARN YOU EARLY Set spending limits for any category and receive a gentle heads-up before you exceed your budget, not after. INSIGHTS YOU’LL ACTUALLY READ Simple charts help you understand: * Where your money goes * How much you earn * How your spending changes over time HOME SCREEN WIDGETS Log expenses directly from your home screen and keep your balances just a glance away. PRIVATE BY DEFAULT Your financial data stays yours. * Face ID and PIN protection * Start without creating an account * Connect an account later for backup and sync SPEAKS YOUR LANGUAGE Available in: English Tiếng Việt 简体中文 日本語 한국어 ไทย Bahasa Indonesia Money Is Stressful Enough. Heo makes expense tracking quick, clear, and genuinely pleasant to use. Spend less time tracking money. Spend more time enjoying it.

Screenshots

Expense Tracker AI4 screens
Heo4 screens

Verdict

The call

The clearest difference is in-app purchases: Heo at none against Expense Tracker AI's 10. Heo also leads on update cadence (daily vs every 5 days). Expense Tracker AI's advantage is iOS requirement (15.5 vs 17.0). On price, ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Expense Tracker AI sells 10 in-app purchases, starting at $1.99 per 7 days. Heo asks for nothing beyond the download.

UpkeepUpdate frequency

Expense Tracker AI ships an update every 5 days, Heo daily. The most recent releases landed on October 31, 2026 and October 28, 2026 respectively.

Scorecard3 real differences · 3 level
Expense Tracker AI versus Heo: the parameters behind the verdict, then further details
ParameterExpense Tracker AIHeo
PriceFreeFree
Update frequencyEvery 5 daysDaily — better
AdsNoNo
In-app purchasesYesNo — better
DevicesiPhone, iPod — betteriPhone
Requires iOS15.5 — better17.0
Further details — not scored
Size170 MB18 MB
Age rating4+4+
DeveloperSHWETH SINDHU MAHARAJKhoa Tran

In-app purchases

10 purchases

Expense Tracker AI

Subscriptions7
  • LensReport Weekly$1.997 Days
  • Individual$11.991 Month
  • Team / Family$17.991 Month
Show 4 more
  • Enterprise$24.991 Month
  • Individual Annual7 Days trial$49.991 Year
  • Team / Family Annual7 Days trial$119.991 Year
  • Enterprise Annual$199.991 Year
One-time3
  • 100 Scan Pack$2.99
  • 300 Scan Pack$6.99
  • 600 Scan Pack$11.99
None

Heo

No in-app purchases

Questions

Is Expense Tracker AI free?
Expense Tracker AI is free to download, with in-app purchases available.
Is Heo free?
Heo is free to download, with no in-app purchases.
Do Expense Tracker AI or Heo have ads?
Neither Expense Tracker AI nor Heo shows ads.
Which is updated more often, Expense Tracker AI or Heo?
Expense Tracker AI ships an update every 5 days, and Heo daily. Most recently, Expense Tracker AI was updated on October 31, 2026 and Heo on October 28, 2026.

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