# Settl vs PocketVault

The clearest difference is in-app purchases: Settl at none against PocketVault's 3. On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. PocketVault sells 3 in-app purchases, starting at $2.00 per month. Settl asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for Settl against 5.0 for PocketVault. Both are backed by a comparable volume of ratings — 1 and 2 respectively.

Settl ships an update every 6 days, PocketVault every 4 days. The most recent releases landed on November 9, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Settl | PocketVault |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/settl-split-bills-by-voice/id6764597359/reviews) | [5.0 (2 ratings)](https://appshunter.io/ios/app/pocketvault-budget-tracker/id6791743277/reviews) |
| Number of ratings | 1 | **2** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 6 days | **Every 4 days** |
| Monetization | **Free** | Freemium |
| Size | 85 MB | 97 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Rahul Raina](https://appshunter.io/developer/1895844278) | [Think 2 Execute LLP](https://appshunter.io/developer/6791743279) |

## What reviewers say

### Settl

[App page](https://appshunter.io/ios/app/settl-split-bills-by-voice/id6764597359)

Effortlessly split bills and track shared expenses with friends and family. Log expenses by voice, receipt scan, or manual entry. Manage group finances, track IOUs, and settle up easily, even across multiple currencies.

**Highlights:** Voice-activated expense logging, Receipt scanning for automatic entry, Multiple splitting methods (equal, itemized, percentage), Group management for trips and shared living, Multi-currency support with exchange rates, Track IOUs and record payments, Import history from Splitwise

**In-app purchases:** none


### PocketVault

[App page](https://appshunter.io/ios/app/pocketvault-budget-tracker/id6791743277)

This finance app tracks budgets, bills, and net worth without needing bank logins. It allows you to import statements, add transactions manually, and ask questions about your finances in plain language, all processed on your device.

**Highlights:** Offline budget and bill tracking, Net worth calculation, Import bank statements (PDF/CSV), Natural language financial queries, No bank login required, Data encrypted on device

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PocketVault Finance Monthly Premium | $2.00 | per month |
| PocketVault Finance Yearly Premium | $20.00 | per year |
| PocketVault Finance Lifetime | $60.00 | one-time |


## Frequently asked questions

### Is Settl free?

Settl is free to download, with no in-app purchases.

### Is PocketVault free?

PocketVault is free to download, with in-app purchases available.

### Which has better reviews, Settl or PocketVault?

Settl and PocketVault are both rated 5.0 out of 5 on the App Store, from 1 and 2 ratings respectively.

### Do Settl or PocketVault have ads?

Neither Settl nor PocketVault shows ads.

### Which is updated more often, Settl or PocketVault?

Settl ships an update every 6 days, and PocketVault every 4 days. Most recently, Settl was updated on November 9, 2026 and PocketVault on November 6, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*