Comparison

Expense Tracker & Split vs Setto

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

Head to head
About

Expense Tracker & Split

Effortlessly track expenses, split bills with friends using AI-powered voice input, and manage budgets. Customize categories and enjoy multi-currency support for a seamless financial overview.

Highlights
  • AI-powered voice expense entry
  • Effortless bill splitting
  • Customizable spending categories
  • Budget tracking and progress monitoring
  • Multi-currency support
  • Recurring expense management
  • Data backup and cross-device sync
Features
Read full description

Tally makes money simple. Track what you spend, split bills with friends, and stay on top of your budgets, all in one beautifully designed app. JUST SAY IT Tell Tally what you spent and AI turns it into a transaction. No forms, no fuss. Tap the mic, say "12 for coffee," and you are done. TRACK EVERY EXPENSE Log your spending in seconds and see where your money goes, with your own categories, colors, and emojis. SPLIT WITHOUT THE AWKWARD MATH Share a bill with friends using a simple join code. Everyone sees their share and who paid, so settling up is effortless. STAY ON BUDGET Set spending limits per category and watch your progress as you go. MORE TO LOVE β€’ Multi currency support for travel and everyday life β€’ Recurring expenses that add themselves β€’ Sign in to back up your data and sync across devices β€’ Beautiful themes to make it your own β€’ Fast, private, and a joy to use Tally is free to start. Upgrade to Tally+ for unlimited expenses and budgets, plus hands free voice entry powered by AI. Download Tally and take control of your money today. Privacy Policy: https://tally.tantostudio.com/privacy/ Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Setto

Features
Read full description

Split expenses with friends, roommates, and travel groups β€” without awkward money chats. Setto gives everyone a clear view of who owes what. Add expenses in seconds, nudge unsettled balances, and settle up with fewer transfers. WHY SETTO β€’ Apple Watch: log expenses and check balances from your wrist β€’ Split any way: equal, percentage, exact amounts, or custom shares β€’ Smart debt simplification across all your groups β€’ AI entry: type naturally or use voice (β€œdinner 40 with Sam”) β€’ On-device receipt scan β€” merchant and amount, privately on your phone β€’ Nudge friends politely when something’s still open β€’ Real-time activity feed for expenses, edits, and settlements β€’ Cross-group balances so you always know the full picture β€’ Offline-ready β€” add and view expenses, sync when you’re back β€’ Reports: monthly charts, categories, PDF/CSV export β€’ Trip mode: budgets, default splits, multi-currency β€’ Recurring expenses for rent, subscriptions, and regular bills β€’ Settle with the payment apps you already use (including UPI where available) Free to start. Create a group, log the first expense, and stop chasing people in the chat.

Screenshots

Expense Tracker & Split4 screens
Setto4 screens

Verdict

The call

The clearest difference is in-app purchases: Setto at none against Expense Tracker & Split's 3. Setto also leads on update cadence (daily vs every 10 days) and device support (4 vs 2). On price and ads there is nothing between them.

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Expense Tracker & Split sells 3 in-app purchases, starting at $3.99 per month. Setto asks for nothing beyond the download.

UpkeepUpdate frequency

Expense Tracker & Split ships an update every 10 days, Setto daily. The most recent releases landed on October 13, 2026 and October 9, 2026 respectively.

Scorecard4 real differences Β· 4 level
Expense Tracker & Split versus Setto: the parameters behind the verdict, then further details
ParameterExpense Tracker & SplitSetto
PriceFreeFree
Positive reviews100.0% of reviewsβ€”
Update frequencyEvery 10 daysDaily β€” better
AdsNoNo
In-app purchasesYesNo β€” better
MonetizationFreemiumβ€”
DevicesiPhone, iPadiPhone, iPad, iPod, Apple Watch β€” better
Requires iOS18.015.5 β€” better
Further details β€” not scored
Size88 MB150 MB
Age rating4+4+
DeveloperAndre SuhartantoArun Dhaduti

In-app purchases

3 purchases

Expense Tracker & Split

Subscriptions2
  • Monthly$3.991 Month
  • Yearly7 Days trial$24.991 Year
One-time1
  • Lifetime$49.99
None

Setto

No in-app purchases

Questions

Is Expense Tracker & Split free?
Expense Tracker & Split is free to download, with in-app purchases available.
Is Setto free?
Setto is free to download, with no in-app purchases.
Do Expense Tracker & Split or Setto have ads?
Neither Expense Tracker & Split nor Setto shows ads.
Which is updated more often, Expense Tracker & Split or Setto?
Expense Tracker & Split ships an update every 10 days, and Setto daily. Most recently, Expense Tracker & Split was updated on October 13, 2026 and Setto on October 9, 2026.

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