Privat vs Settle
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
Privat
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Finally: Pay once, use forever. Keep track of your finances without monthly fees, without ads, and without data tracking. Budget Tracker helps you keep track of your monthly budget in seconds. Clean design, fast entry, private data, no subscription hassles. Design: Simple, bright, and built for quick use. Exactly how a budget app should be, instead of an Excel spreadsheet dressed up for a party. For anyone who wants a simple, private household budget app, without banking access and without a monthly bill. Private on your iPhone Your data stays stored locally. No accounts, no ads, no tracking. Quick entry Enter expenses with amounts and notes in seconds. Thatβs all you need. Clear overview Monthly budget, balance, history, and simple statistics. Without a clutter of features.
Settle
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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
Verdict
The clearest difference is in-app purchases: Privat at none against Settle's 2. Settle's advantage is update cadence (every 5 days vs every 2 months). On price, ads, device support 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
Both are free to download. Settle sells 2 in-app purchases, starting at $2.99 per month. Privat asks for nothing beyond the download.
Privat ships an update every 2 months, Settle every 5 days. The most recent releases landed on November 5, 2026 and November 10, 2026 respectively.
| Parameter | Privat | Settle |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 2 months | Every 5 days β better |
| Ads | No | No |
| In-app purchases | No β better | Yes |
| Devices | iPhone | iPhone |
| Requires iOS | 17.0 | 16.4 β better |
| Further details β not scored | ||
| Size | 9 MB | 52 MB |
| Age rating | 4+ | 4+ |
| Developer | Ronny Grob | Eduard Kovtun |
In-app purchases
Privat
No in-app purchases
Settle
- Settle Pro Monthly14 Days trial$2.991 Month
- Settle Pro Annual14 Days trial$17.991 Year






