# Defter vs SettledBills

The clearest difference is in-app purchases: Defter at none against SettledBills's 3. SettledBills's advantage is update cadence (every 3 weeks vs every 3 months). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. SettledBills sells 3 in-app purchases, starting at $3.99 per month. Defter asks for nothing beyond the download.

Defter ships an update every 3 months, SettledBills every 3 weeks. The most recent releases landed on October 10, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Defter | SettledBills |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/defter-personal-ledger/id6778228890/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Freemium | — |
| Size | 47 MB | 17 MB |
| Requires iOS | **17.0** | 18.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Mediterra AI LLC](https://appshunter.io/developer/1894972531) | [Saurabh Verma](https://appshunter.io/developer/6796605126) |

## What reviewers say

### Defter

[App page](https://appshunter.io/ios/app/defter-personal-ledger/id6778228890)

Manage your finances with a beautiful, on-device ledger. Track cards, accounts, and rewards, with optional bank connections for automatic updates. Offers insights into cash flow and net worth, with a focus on privacy.

**Highlights:** Manual card and account tracking, Apple Card, Cash & Savings sync, Best-card picker, Custom reward rules and benefits, Statement cycles and payment reminders, Cash flow and net worth history, On-device AI assistant

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

**In-app purchases:** none


### SettledBills

[App page](https://appshunter.io/ios/app/settledbills-bill-tracker/id6796605124)

**Features:** Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro | $3.99 | per month |
| Pro | $39.99 | per year |
| Founder Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is Defter free?

Defter is free to download, with no in-app purchases.

### Is SettledBills free?

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

### Do Defter or SettledBills have ads?

Neither Defter nor SettledBills shows ads.

### Which is updated more often, Defter or SettledBills?

Defter ships an update every 3 months, and SettledBills every 3 weeks. Most recently, Defter was updated on October 10, 2026 and SettledBills 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.*