Comparison

Subscriptions Tracker MoniCal vs Couples Budget Tracker

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

Head to head
About

Subscriptions Tracker MoniCal

Organize your bills and subscriptions with a calendar view. Set recurring entries, get payment reminders, and manage budgets. Track income and expenses to stay on top of your finances.

Highlights
  • Calendar view for bills and expenses
  • Recurring entry setup
  • Payment reminders
  • Budget management
  • Categorization of entries
  • Notes for details
  • Multilingual support
Features
Read full description

Ever get that end-of-month surprise — because you forgot when rent, electricity, or a streaming subscription was due? MoniCal brings order to your finances by showing income and expenses exactly where they belong: right in the calendar. What MoniCal does for you: Calendar view — See at a glance when each amount is due. Month, week, list, or a compact year overview. Recurring entries — Rent, salary, subscriptions: set them up once, never forget again. Daily, weekly, monthly, or yearly. Reminders — Get notified before up to 3 recurring payments are due. Categories — Organize entries with your own or predefined categories like Housing, Transport, or Leisure. Budgets — Set a monthly limit for a category of your choice and keep your spending in check. Notes — Add details directly to an entry, like contract numbers or payment references. Multilingual — German, English, French, Italian, Spanish, and Greek, with a choice of Euro, US Dollar, British Pound, or Swiss Franc. MoniCal Pro — more clarity, from $2.99/month or as a one-time lifetime purchase: Year overview — All 12 months at a glance Running balance — Your account balance updates automatically, so you always know what's left after every entry Statistics — Savings rate, spending by category, and balance history in detail Unlimited reminders — Reminders for as many subscriptions and payments as you need, not just the first three Unlimited budgets — Set a monthly budget for as many categories as you need, not just one Supports the app's ongoing development MoniCal stores all your data on your device and automatically backs it up to your personal iCloud. No sign-up, no hidden costs. Your finances. Your rhythm. MoniCal. Terms of Use: https://horizonlabsdev.github.io/MoniCal/terms Privacy Policy: https://horizonlabsdev.github.io/MoniCal/privacy Apple EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Couples Budget Tracker

This app provides a shared financial space for couples to track expenses, split bills, and save for goals. It offers real-time syncing, multiple logging methods, and a calm, guilt-free approach to managing joint finances without bank connections.

Highlights
  • Shared money space for couples
  • Log expenses via text, voice, or receipt
  • Split expenses evenly or by ratio
  • Set and track shared life goals
  • Real-time sync between partners
  • No bank connections required
  • Monthly recaps and optional limits
Features
Read full description

Untoo - Shared Money for Couples Money works better when you two are on the same team. Untoo is one shared money space for couples. Log what you spend in seconds, split it fairly, set money aside for what's next, and always know where you stand - with no bank connections and no complicated budgeting. Both of you see everything, live. Neither of you is the admin. LOG IT IN SECONDS Type it, say it out loud, or snap the receipt. "Groceries, $42, split evenly" is already a complete entry: Untoo reads the amount, picks the category, and applies the split you two usually use. In English, Spanish, German, French, Italian, Dutch and Portuguese. ALWAYS IN SYNC Every entry shows up on both phones right away. No more "did you already pay that?", no end-of-month surprises. SPLIT WITHOUT THE MATH Track who paid, and split each expense evenly, by your own ratio, or as a treat. One settle-up screen shows who owes whom, so things stay even. No money ever moves through Untoo. SAVE FOR WHAT'S NEXT The trip, the couch, the emergency fund. Shared life goals with visible progress - and money you set aside never counts as spending, so a big saving month never looks like a bad one. YOUR MONTH AT A GLANCE A clear monthly recap, category by category. Set an optional limit on any category, and going over gets a note, not an alarm. No streaks, no lapse-shaming, no red alerts. THE SMALL THINGS • Rent, subscriptions, bills and payday post themselves • Log in any currency while traveling; totals stay in the one you two picked • Your own categories - rename, reorder, recolor, add soft limits • Money date: a short, warm check-in you two do together • Export everything to CSV, or delete your account, right from Settings BUILT FOR TWO, NOT FOR ONE Untoo isn't a personal budget app with a guest seat. It is built for two partners with equal access - dating, living together, married, or planning what comes next. • No bank linking, ever. Untoo only knows what you two choose to log • Your money notes are never sold and never used for ads ONE PREMIUM. BOTH OF YOU. One subscription covers both partners. Either of you can start it, and you both get everything. Premium unlocks: • AI capture - text, voice and receipt photos • Unlimited life goals and recurring rules, plus automatic set-asides • Your full history, month-to-month comparisons, and insights in plain words • Home screen widgets: quick add, and your month at a glance • Our year, together: the full annual recap, with cards you can share • Dark mode and color themes Free, always: manual logging for both of you, pairing and real-time sync, splitting and settle-up, your first life goal, one recurring rule, and this month and last month's recap. SUBSCRIPTION DETAILS Untoo Premium is an auto-renewing subscription: $4.99 per month or $39.99 per year (US pricing - your local price is shown in the app before you confirm), each starting with a 7-day free trial. Payment is charged to your Apple ID at confirmation of purchase. It renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Untoo Terms of Service: https://untoo.app/terms Privacy Policy: https://untoo.app/privacy Untoo is a record of what you two choose to log. It does not move money, connect to banks, or give financial advice.

Screenshots

Subscriptions Tracker MoniCal4 screens
Couples Budget Tracker4 screens

Verdict

The call

Subscriptions Tracker MoniCal and Couples Budget Tracker are too close to call on the numbers: across 7 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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. Subscriptions Tracker MoniCal sells 2 in-app purchases, starting at $2.99 per month and Couples Budget Tracker sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Subscriptions Tracker MoniCal ships an update every 5 days, Couples Budget Tracker every 6 days. The most recent releases landed on October 23, 2026 and October 13, 2026 respectively.

ScorecardNo meaningful differences
Subscriptions Tracker MoniCal versus Couples Budget Tracker: the parameters behind the verdict, then further details
ParameterSubscriptions Tracker MoniCalCouples Budget Tracker
PriceFreeFree
Rating—5.0 (3 ratings) — better
Positive reviews100.0% of reviews—
Number of ratings—3 — better
Update frequencyEvery 5 days — betterEvery 6 days
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.016.4 — better
Further details — not scored
Size15 MB67 MB
Age rating4+4+
DeveloperJeremy LecoqFernand Petit

Customer experience

Subscriptions Tracker MoniCal

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Couples Budget Tracker

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

2 purchases

Subscriptions Tracker MoniCal

Subscriptions1
  • MoniCal Pro14 Days trial$2.991 Month
One-time1
  • MoniCal Pro - Lifetime$29.99
2 purchases

Couples Budget Tracker

Subscriptions2
  • Untoo Premium7 Days trial$4.991 Month
  • Untoo Premium Yearly7 Days trial$39.991 Year

Questions

Is Subscriptions Tracker MoniCal free?
Subscriptions Tracker MoniCal is free to download, with in-app purchases available.
Is Couples Budget Tracker free?
Couples Budget Tracker is free to download, with in-app purchases available.
Do Subscriptions Tracker MoniCal or Couples Budget Tracker have ads?
Neither Subscriptions Tracker MoniCal nor Couples Budget Tracker shows ads.
Which is updated more often, Subscriptions Tracker MoniCal or Couples Budget Tracker?
Subscriptions Tracker MoniCal ships an update every 5 days, and Couples Budget Tracker every 6 days. Most recently, Subscriptions Tracker MoniCal was updated on October 23, 2026 and Couples Budget Tracker on October 13, 2026.

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