Comparison

1% Budget vs Moneti

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

Head to head
About

1% Budget

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Stop wondering where your money went and start deciding where it goes. 1% Budget is an envelope-based budgeting app. The idea is simple: before you spend, you give your money a mission. That way you always know how much you can spend, how much you're saving and how close you are to your goals. WHAT YOU CAN DO - Assign your income to categories and instantly see what's left in each one - Manage all your accounts in one place: cash, debit, savings and credit cards - Create savings goals and track your progress - Get out of debt with a snowball plan: see how much interest you save and when you'll be debt-free - Track loans with installments, including informal ones with family or friends - Review your monthly report and export it - Close each month and start the next one with a clear plan LEARN AS YOU GO 1% Academy explains the method with our philosophy, a jargon-free glossary and video tutorials. MADE FOR YOU - In English and Spanish - Light and dark mode - Lock with Face ID or passcode - Minigames you unlock by completing your weekly missions Try it free for 30 days. Cancel anytime. Subscription: 1% Budget offers auto-renewable monthly and yearly subscriptions. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless canceled at least 24 hours before the end of the current period. You can manage or cancel it in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://1percentbudget.com/privacidad

About

Moneti

Features
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Moneti answers the one question that really matters: how much do I have left for the rest of the month? It is an expense tracker and personal budget app you use by talking. Download it free and start today: no spreadsheets, no linking your bank and no sending your money data to any server. FREE TO START, PREMIUM IF YOU WANT MORE Installing Moneti costs nothing. For free you can log expenses and income by hand, see what you have left this month, review your last 90 days, keep up to 2 savings goals and build your Moneti Wrapped. Premium unlocks voice logging, automatic capture, widgets, category limits, bill splitting, shared lists, backup and unlimited goals. SAY IT, IT'S SAVED Say "spent 40 on gas" and you're done. Moneti picks out the amount, chooses the category and saves it. If you forget the amount, it just asks. A DOUBLE TAP AND DONE Tap the back of your iPhone twice and log an expense without opening the app. And with a shortcut, every Apple Pay purchase logs itself. CAN I AFFORD THIS? Ask Moneti before you buy and see how your month would look with that purchase: what you have left, your fixed costs and your savings. MONTHLY BUDGET IN ONE NUMBER Tell it what comes in each month and how much you want to save. Moneti sets the savings aside and shows you what you can actually spend. A ring shows where the month is at, and a line tells you if you're ahead of or behind your pace. SPENDING BY CATEGORY, WITH LOGOS Where your money is going, from most to least, and every purchase with its merchant's logo: Uber, Netflix, Spotify and many more. Set a limit for food, transport or anything you like, and Moneti warns you before you go over. MONETI WRAPPED Your month or your year in shareable cards, without showing amounts: your top category, your favorite merchant, your biggest spending day. SAVINGS GOALS THAT MOVE The trip, the laptop, the rainy-day fund. Set how much and by when, and Moneti tells you how far you are at your current pace. SPLIT WITH ANYONE Split an expense among several people and Moneti keeps track of who owes whom. Share an account β€” "Home", for example β€” with your partner or family: you both log, you both see the same thing, through your own iCloud. YOUR IPHONE AND YOUR MAC, IN SYNC What you log on your iPhone shows up on the Mac, and the other way around, encrypted through your own iCloud and never through a server of ours. On your home screen, widgets with what you have left and how your goals are doing. YOUR DATA IS YOURS Moneti has no servers. Your transactions, goals and balances live on your iPhone and in your own iCloud, encrypted, and never pass through us. No ads, no analytics, no trackers. Export everything whenever you want, or delete it all at once. β€” MONETI PREMIUM Free to download; Premium is optional. One subscription covers iPhone and Mac. If it's your first Moneti subscription, the first 7 days are free. There are monthly, yearly and family plans; the App Store shows you the price in your currency before you pay. The subscription renews automatically at the end of each period unless you cancel at least 24 hours before. Payment is charged to your Apple account at confirmation. Manage and cancel it in your account settings. If you cancel, you keep using Moneti's free features and your history stays intact. Privacy Policy: https://apps.superbitesstudios.com/moneti/politica-de-privacidad Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Superbites Studios S.A.S. β€” Colombia

Screenshots

1% Budget4 screens
Moneti4 screens

Verdict

The call

The clearest difference is update cadence: Moneti at every 3 days against 1% Budget's every 2 weeks. Moneti also leads on device support (5 vs 2). On price, ads, in-app purchases and iOS requirement 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. 1% Budget sells 2 in-app purchases, starting at $4.99 per month and Moneti sells 4 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

1% Budget ships an update every 2 weeks, Moneti every 3 days. The most recent releases landed on October 31, 2026 and October 25, 2026 respectively.

Scorecard2 real differences Β· 4 level
1% Budget versus Moneti: the parameters behind the verdict, then further details
Parameter1% BudgetMoneti
PriceFreeFree
Update frequencyEvery 2 weeksEvery 3 days β€” better
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPodiPhone, iPad, iPod, Mac, Apple Watch β€” better
Requires iOS15.115.0 β€” better
Further details β€” not scored
Size81 MB33 MB
Age rating4+4+
DeveloperMichel Coba MarriagaCLINIKALS SAS

In-app purchases

2 purchases

1% Budget

Subscriptions2
  • 1% Budget Premium1 Month trial$4.991 Month
  • 1% Budget Anual$39.991 Year
4 purchases

Moneti

Subscriptions4
  • Premium mensual7 Days trial$1.991 Month
  • Premium familiar mensual7 Days trial$2.991 Month
  • Premium anual7 Days trial$19.991 Year
Show 1 more
  • Premium familiar anual7 Days trial$29.991 Year

Questions

Is 1% Budget free?
1% Budget is free to download, with in-app purchases available.
Is Moneti free?
Moneti is free to download, with in-app purchases available.
Do 1% Budget or Moneti have ads?
Neither 1% Budget nor Moneti shows ads.
Which is updated more often, 1% Budget or Moneti?
1% Budget ships an update every 2 weeks, and Moneti every 3 days. Most recently, 1% Budget was updated on October 31, 2026 and Moneti on October 25, 2026.

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