Comparison

Money & Expense Tracker vs Topf

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

Head to head
About

Money & Expense Tracker

Features
Read full description

Lichy turns a sentence into a tracked expense. Type "coffee 4.50" or dictate it — Lichy reads the amount, the merchant and the category, and files it. No forms, no dropdowns, no five taps per purchase. HOW YOU ADD THINGS • Write it like a text message. One line, done. • Say it out loud instead of typing. • Snap a receipt and let Lichy pull out the total and the line items. • Pay with Apple Pay — set up the Shortcut once, and card purchases arrive on their own. WHAT YOU SEE • Today at a glance: everything you logged, newest first. • Charts by day, week, month or year. • Categories with real totals, not just colors. • Tap the headline currency to change the lens — every row, chart and total follows. MULTI-CURRENCY, DONE PROPERLY Spent in one currency, charged in another? Lichy keeps both: the amount on the price tag and the amount your bank actually settled. Rows show the truth, and the analytics still add up. SUBSCRIPTIONS AND BILLS Mark anything as recurring and Lichy keeps the chain going — next charge dates, monthly load, and a separate Regular view so fixed costs stop hiding between your groceries. LISTS Keep work apart from home, or a trip apart from the month. Every list carries its own totals. INCOME TOO Log what comes in exactly the way you log what goes out. WORKS OFFLINE Entries are saved on your device first and sync once you're back online. ——— SUBSCRIPTION Lichy Plus is an auto-renewable subscription, available monthly or yearly. It lifts the monthly AI limit on text and receipt recognition. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. You can manage your subscription and turn off auto-renewal in your Apple Account settings after purchase. Prices are shown in the app before you confirm and may vary by region. Privacy Policy: https://getlichy.com/privacy Terms of Use: https://getlichy.com/terms Support: https://getlichy.com/support

About

Topf

Features
Read full description

Topf is an expense tracker that doesn’t take time: say what you spent or type it in two taps, and your book lives on your phone. BY VOICE OR IN TWO TAPS Say “coffee three eighty and gym membership thirty euros every month” and Topf creates two entries: a one-time transaction and a monthly one. By hand it is just as quick: amount, category, done. You can start an entry from the Lock Screen, with the Action Button, from Control Center or through Siri; see the month’s total in a widget. RECEIPTS FROM A PHOTO Take a photo of a receipt or pick one from your gallery, and Topf turns it into transactions: as one total or by category. Before anything is saved, you see the result and can check it against the receipt. ONE BOOK FOR THE WHOLE FAMILY Invite the people you share money with and keep one book together: shared accounts, shared categories, and everyone sees the others’ entries. WHERE THE MONEY WENT The whole month in one picture: where your money went, by category, and what is still left to pay before the month ends. BUDGETS Set an amount for a week, a month or a year — for groceries, for transport or for all your spending — and Topf shows how much you can still spend before the period ends and how much that comes to per day, counting the payments still to come. Your budgets are on the main screen, and widgets put them on your Home Screen and Lock Screen. SUBSCRIPTIONS AND BILLS Subscriptions and regular payments don’t get lost: Topf shows you ahead of time what is due and when. IMPORT AND EXPORT Bring your history over from another app, a bank or Excel: Topf reads the CSV table and shows how the transactions will land in your book before you import. You can export your transactions to CSV at any time, for free. YOUR BOOK IS YOURS A complete copy of your book is on the device: add entries and browse your history with no connection. Voice input and receipt scanning require a connection. No ads, no trackers, no selling your data; deleting your account deletes your data. You can start without signing up. TOPF PLUS Topf is free. Plus lifts the limits on accounts, recurring transactions, budgets, voice input and receipt scans, opens analytics and budget history for any period, and lets you invite others into your shared book. Monthly or yearly subscription, or a one-time purchase with lifetime access; prices are in the app. Subscriptions can be shared with your family through Apple Family Sharing at no extra cost. Privacy policy: https://topfapp.com/privacy/ Terms of use: https://topfapp.com/terms/

Screenshots

Money & Expense Tracker4 screens
Topf4 screens

Verdict

The call

The clearest difference is iOS requirement: Topf at 16.4 against Money & Expense Tracker's 18.6. On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Money & Expense Tracker sells 2 in-app purchases, starting at $2.99 per month and Topf sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 days. Both last shipped on October 24, 2026.

Scorecard1 real difference · 5 level
Money & Expense Tracker versus Topf: the parameters behind the verdict, then further details
ParameterMoney & Expense TrackerTopf
PriceFreeFree
Update frequencyEvery 3 daysEvery 3 days
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, Apple Watch — betteriPhone
Requires iOS18.616.4 — better
Further details — not scored
Size71 MB60 MB
Age rating4+4+
DeveloperTWOBIRDSTALK STUDIOAndrey Fedyukov

In-app purchases

2 purchases

Money & Expense Tracker

Subscriptions2
  • Lichy Plus$2.991 Month
  • Lichy Plus$24.991 Year
3 purchases

Topf

Subscriptions2
  • Topf Plus Monthly$3.991 Month
  • Topf Plus Yearly7 Days trial$24.991 Year
One-time1
  • Topf Plus Lifetime$69.99

Questions

Is Money & Expense Tracker free?
Money & Expense Tracker is free to download, with in-app purchases available.
Is Topf free?
Topf is free to download, with in-app purchases available.
Do Money & Expense Tracker or Topf have ads?
Neither Money & Expense Tracker nor Topf shows ads.
Which is updated more often, Money & Expense Tracker or Topf?
Money & Expense Tracker ships an update every 3 days, and Topf every 3 days. Most recently, Money & Expense Tracker was updated on October 24, 2026 and Topf on October 24, 2026.

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