# Expense Tracker & Split vs Setto

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.

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.

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.

## The numbers

| Metric | Expense Tracker & Split | Setto |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 10 days | **Daily** |
| Monetization | Freemium | — |
| Size | 88 MB | 150 MB |
| Requires iOS | 18.0 | **15.5** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Andre Suhartanto](https://appshunter.io/developer/1824125348) | [Arun Dhaduti](https://appshunter.io/developer/6798785513) |

## What reviewers say

### Expense Tracker & Split

[App page](https://appshunter.io/ios/app/expense-tracker-and-split-tally/id6779913391)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $3.99 | per month |
| Yearly | $24.99 | per year |
| Lifetime | $49.99 | one-time |


### Setto

[App page](https://appshunter.io/ios/app/setto-expense-sharing/id6798785511)

**Features:** Apple Watch app

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*