Comparison

Tappy vs Chio

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

Head to head
About

Tappy

Log expenses instantly with quick actions like back taps, Siri commands, or widgets. This app provides clear spending insights and custom categories, all while keeping your data private on your device.

Highlights
  • Log expenses in seconds without opening app
  • Back Tap and Siri integration
  • Home and Lock Screen widgets
  • Spending tracking by category
  • Customizable expense categories
  • Data export to CSV
  • 100% private on-device data
Features
Read full description

Track expenses the moment they happen, before you forget. Tappy is the fastest way to log spending. Double-tap the back of your phone, ask Siri, or tap a widget to save an expense in seconds, without ever opening the app. Most expense trackers make you unlock your phone, open the app, tap through screens, and type. By then you've already forgotten the coffee or the cab fare. Tappy removes every step between you and a logged expense. WHY TAPPY • Log an expense in seconds, no app open required • Back Tap: double-tap your phone to log instantly • Siri: "Hey Siri, log expense in Tappy" • Widgets: log straight from your Lock or Home Screen • Track spending by category, at a glance • See where your money goes with clear insights • Browse your full expense history anytime • Create your own custom categories • Works in any currency • Export everything to CSV • iCloud backup. Never lose an expense, restore on any device PRIVATE BY DESIGN No account, no sign-up. Your expenses stay on your device and back up only to your own private iCloud, we never see them. BUILT FOR SPEED Whether it's morning coffee, a quick cab, or splitting dinner with friends, Tappy makes logging effortless, so you actually keep it up and finally know where your money goes. Download Tappy and start tracking in seconds. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Chio

Features
Read full description

Chio is a free one-tap expense tracker for iPhone: no ads, no account, no subscription, no in-app purchases, and it works offline. Most of what you spend today, you also spent last week. Chio notices that, and guesses what you're about to log. Coffee at 8, lunch at noon, the ride home: Chio learns the times and days you usually log and puts the right tile first. Tap it and it's recorded. No form to fill, nothing to type, no category to hunt for. — ONE TAP, MOST OF THE TIME — • Suggested tiles follow the hour and the day of the week, based only on what you have logged before • Items that always cost the same, like your usual coffee, are logged in a single tap • Items whose amount varies open the number pad, with a typical amount ready • Income is learned by day of the month, so payday shows up on its own • Tapped the wrong one? The Recorded bar lets you change the amount or undo, right away — PINS THAT NEVER MOVE — • Pin up to 4 items you log all the time • Pinned tiles stay exactly where you put them, so your thumb learns them • Suggestions sit in a row of their own and never push your pins around — LOG WITHOUT OPENING THE APP — • Home Screen widget in two sizes, plus a Lock Screen widget • Tap a tile on the widget and it's recorded • Switch to a nearby amount, or undo, right on the widget — HISTORY AND CATCH-UP — • View your entries by day, week or month • Forgot something yesterday? Add entries for past days • Tap any entry to edit it — SEE WHERE YOUR MONEY WENT — • Spending by category this month • This month against the same point last month • Income minus expenses this month • The days of the month that cost the most • A few plain observations from your own numbers, like what a daily coffee adds up to over a month, or where your current pace lands by month-end • Just numbers. No scores, no judging. — PRIVATE BY DESIGN — • No account. Open the app and start. • No ads, no analytics, no subscription. • Chio never connects to the internet. Everything, including the habit learning, runs on your iPhone. • Erase all your data from Settings whenever you like. — GOOD TO KNOW — • In version 1.0, your data lives on this one iPhone only. There is no iCloud sync yet: entries don't follow you to another device, and deleting the app deletes them. • 20 currencies. Switch at any time: keep your numbers as they are, or convert them at a rate you enter. • Available in English, Spanish, Japanese, Portuguese (Brazil) and Vietnamese. Chio is new, and this is its first version. If a suggestion feels off or something is missing, Settings → Send Feedback reaches the people who make it.

Screenshots

Tappy4 screens
Chio4 screens

Verdict

The call

The clearest difference is in-app purchases: Chio at none against Tappy's 3. Tappy's advantage is update cadence (every 4 days vs every 3 weeks). On price, ads, device support and iOS requirement 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. Tappy sells 3 in-app purchases, starting at $2.99 per month. Chio asks for nothing beyond the download.

UpkeepUpdate frequency

Tappy ships an update every 4 days, Chio every 3 weeks. The most recent releases landed on November 10, 2026 and November 6, 2026 respectively.

Scorecard2 real differences · 8 level
Tappy versus Chio: the parameters behind the verdict, then further details
ParameterTappyChio
PriceFreeFree
Rating4.9 (36 ratings) — better—
Positive reviews84.4% of reviews—
Number of ratings36 — better—
Update frequencyEvery 4 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhoneiPhone
Requires iOS16.0 — better17.0
Further details — not scored
Size38 MB2 MB
Age rating4+4+
DeveloperArranged Social LLPThanh Ha

In-app purchases

3 purchases

Tappy

Subscriptions2
  • Tappy Pro$2.991 Month
  • Tappy Pro$14.991 Year
One-time1
  • Tappy Pro$29.99
None

Chio

No in-app purchases

Questions

Is Tappy free?
Tappy is free to download, with in-app purchases available.
Is Chio free?
Chio is free to download, with no in-app purchases.
Do Tappy or Chio have ads?
Neither Tappy nor Chio shows ads.
Which is updated more often, Tappy or Chio?
Tappy ships an update every 4 days, and Chio every 3 weeks. Most recently, Tappy was updated on November 10, 2026 and Chio on November 6, 2026.

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