Kakeibo Cream vs Settle
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
Kakeibo Cream
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Kakeibo is a Japanese-inspired budgeting app with a warm cream-and-orange aesthetic. No account registration required β all your data stays safely on your device. Start building a daily money-tracking habit today. Quick Expense & Income Entry Add a transaction in seconds β pick a category, enter the amount and a note. Set up recurring rules (daily, weekly, biweekly, monthly, yearly) for things like rent or subscriptions so you never have to type them in twice. Monthly Overview See this month's expenses, income, and balance at a glance on the home screen, with a clear bar chart breakdown. Tap through for category details. Rich Statistics Switch between Expense, Income, and Balance tabs, and choose from four chart styles β donut, bar, stacked bar, or radar. The category ranking list shows exactly where your money goes, and you can expand any category to see every transaction. Flexible Time Ranges Look beyond this month β switch to the Last 6 Months, a full Year, or set a Custom date range to review any period you like. Excluded Categories Don't want certain categories (like credit card payments or internal transfers) counted toward your balance? Exclude a whole category or individual transactions, with a live subtotal that updates instantly. Expense Calendar See your daily spending laid out on a calendar to spot your peak spending days. Helpful Reminders A daily logging reminder so you never forget, and an automatic monthly summary report. Share Category Reports Select multiple categories and generate a shareable text summary in one tap β perfect for sending to family or a partner via Messages or email. Three Languages Available in Traditional Chinese, English, and Japanese β switch anytime in Settings. Warm, Japanese-Inspired Design A soft cream-and-orange palette that makes daily bookkeeping feel a little more soothing. Kakeibo β helping you keep track of every day, clearly.
Settle
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Track your money in seconds. Private, simple, and yours. Settle makes it easy to log expenses, set budgets, and see where your money goes. β’ Drag to log, or add in a couple of taps β’ Multiple accounts with multi-currency support β’ Transfers between your own accounts, and a spend can become one at any time β’ Budgets and monthly spending insights β’ Clean charts, light and dark themes β’ No sign-up, no ads, no tracking SETTLE PRO β’ Automation: pay with your phone and the expense lands in your budget on its own, with the phone locked and the app closed. A shop Settle knows goes straight to its category; anything new waits in Review, where one fix teaches it for good β’ Restore points: snapshots of your data you can roll back to, kept on the device and in your own iCloud Drive, so they survive a reinstall β’ Recurring rules: rent, subscriptions, and bills record themselves on schedule β’ monobank sync, for accounts in Ukraine: cards and jars import themselves, so the day is already logged WHERE YOUR DATA LIVES There is no Settle account and no Settle server. Your finances sit in a database on your phone. Bank data travels between your device and your own bank. Restore points go to your own iCloud Drive. We cannot see any of it. Available in English and Ukrainian. SUBSCRIPTION Settle Pro costs $2.99 per month or $19.99 per year, starting with a 14-day free trial. Payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically unless you cancel at least 24 hours before the current period ends. Manage or cancel it at any time in your Apple Account settings. Any unused part of a free trial is forfeited if you subscribe before it ends. Terms of Use (Apple standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://juisemad.github.io/settle-privacy/
Screenshots
Verdict
The clearest difference is update cadence: Kakeibo Cream at daily against Settle's every 4 days. On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Kakeibo Cream ships an update daily, Settle every 4 days. The most recent releases landed on October 6, 2026 and October 3, 2026 respectively.
| Parameter | Kakeibo Cream | Settle |
|---|---|---|
| Price | Free | Free |
| Update frequency | Daily β better | Every 4 days |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone | iPhone |
| Requires iOS | 17.0 | 16.4 β better |
| Further details β not scored | ||
| Size | 5 MB | 49 MB |
| Age rating | 4+ | 4+ |
| Developer | Chen-Nien Chung | Eduard Kovtun |
In-app purchases
Kakeibo Cream
No in-app purchases
Settle
No in-app purchases








