# Oat Budget vs Savvy

The clearest difference is review sentiment: Oat Budget at 100% against Savvy's 50%. Oat Budget also leads on ads (none vs shown). Savvy's advantage is iOS requirement (17.0 vs 26.0). On price, update cadence, in-app purchases and monetization model there is nothing between them.

Both are free to download. Oat Budget sells 2 in-app purchases, starting at $4.99 per month and Savvy sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Oat Budget ships an update every 5 days, Savvy every 4 days. The most recent releases landed on November 5, 2026 and November 11, 2026 respectively.

## The numbers

| Metric | Oat Budget | Savvy |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | **100.0% of reviews** | 50.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 5 days | **Every 4 days** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 22 MB | 73 MB |
| Requires iOS | 26.0 | **17.0** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [JongGil Seo](https://appshunter.io/developer/6772998069) | [JinBae Jung](https://appshunter.io/developer/1892955366) |

## What reviewers say

### Oat Budget

[App page](https://appshunter.io/ios/app/oat-budget/id6773018973)

This app helps couples manage their finances together with AI-powered budgeting and real-time expense tracking. It offers automated monthly plans, spending analysis, and clear visualizations of your shared budget.

**Highlights:** Shared budgeting for couples, AI-powered monthly planning, Real-time expense tracking, Automated spending analysis, Receipt scanning, Customizable budget templates

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro - Monthly | $4.99 | per month |
| Oat 가계부 Pro (Year) | $59.99 | per year |


### Savvy

[App page](https://appshunter.io/ios/app/savvy-ai-expense-tracker/id6795720506)

Effortlessly track your finances by simply speaking or photographing receipts. This AI-powered app categorizes expenses, provides spending insights, and helps you manage budgets and assets with ease. Enjoy privacy-focused features like on-device processing and no sign-up required.

**Highlights:** Voice-to-expense logging, On-device receipt scanning, AI spending analysis, Customizable budgets and alerts, Net worth tracking, Bill splitting, Calendar heatmap visualization

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 월 구독 | $0.99 | per month |
| 연 구독 | $8.99 | per year |
| 평생 이용권 | $17.99 | one-time |


## Frequently asked questions

### Is Oat Budget free?

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

### Is Savvy free?

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

### Do Oat Budget or Savvy have ads?

Savvy shows ads; Oat Budget does not.

### Which is updated more often, Oat Budget or Savvy?

Oat Budget ships an update every 5 days, and Savvy every 4 days. Most recently, Oat Budget was updated on November 5, 2026 and Savvy on November 11, 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.*