# Zpent vs The Smart Budget

The clearest difference is update cadence: The Smart Budget at weekly against Zpent's every 6 weeks. Zpent's advantage is iOS requirement (15.1 vs 26.4). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Zpent sells 2 in-app purchases, starting at $4.99 per month and The Smart Budget sells 6 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Zpent ships an update every 6 weeks, The Smart Budget weekly. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Zpent | The Smart Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (2 ratings)](https://appshunter.io/ios/app/the-smart-budget/id6769003758/reviews)** |
| Number of ratings | — | **2** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Weekly** |
| Monetization | — | Freemium |
| Size | 40 MB | 16 MB |
| Requires iOS | **15.1** | 26.4 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | +4 | 4+ |
| Developer | [JOAO PAULO SEDER](https://appshunter.io/developer/1896263043) | [Omar Al Homaidi](https://appshunter.io/developer/1498325461) |

## What reviewers say

### Zpent

[App page](https://appshunter.io/ios/app/zpent/id6766276357)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zpent Pro Monthly | $4.99 | per month |
| Zpent Pro Annual | $39.99 | per year |


### The Smart Budget

[App page](https://appshunter.io/ios/app/the-smart-budget/id6769003758)

Effortlessly track your spending with an AI-powered expense logger that works entirely on your device. It automatically captures, cleans, and categorizes transactions from your bank texts, flagging anything unusual without needing bank logins. Log manually, snap receipts, or use voice commands for a private, secure financial overview.

**Highlights:** Automatic expense capture from bank texts, On-device AI for data cleaning and categorization, Anomaly detection for unusual spending, Manual transaction logging with receipt snapping, Unlimited transactions, budgets, and goals, Smart Insights with AI-narrated forecasts, Household sharing with family

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

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Smart Budget Pro — Monthly | $2.99 | per month |
| Budget Household — Monthly | $4.99 | per month |
| Smart Budget Pro - Yearly | $24.99 | per year |
| Budget Household — Yearly | $49.99 | per year |
| Smart Budget Pro — Lifetime | $49.99 | one-time |
| Budget Household — Lifetime | $99.99 | one-time |


## Frequently asked questions

### Is Zpent free?

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

### Is The Smart Budget free?

The Smart Budget is free to download, with in-app purchases available.

### Do Zpent or The Smart Budget have ads?

Neither Zpent nor The Smart Budget shows ads.

### Which is updated more often, Zpent or The Smart Budget?

Zpent ships an update every 6 weeks, and The Smart Budget weekly. Most recently, Zpent was updated on October 26, 2026 and The Smart Budget on October 25, 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.*