# OffRisk vs Lingot

The clearest difference is update cadence: Lingot at weekly against OffRisk's every 5 weeks. On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. OffRisk sells 2 in-app purchases, starting at $2.99 per month and Lingot sells 4 in-app purchases, starting at $5.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 4.5 for OffRisk against 4.6 for Lingot. Both are backed by a comparable volume of ratings — 2 and 5 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

OffRisk ships an update every 5 weeks, Lingot weekly. The most recent releases landed on October 31, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | OffRisk | Lingot |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (2 ratings)](https://appshunter.io/ios/app/offrisk-expense-tracker/id6791018595/reviews) | **[4.6 (5 ratings)](https://appshunter.io/ios/app/lingot-net-worth-tracker/id6795262828/reviews)** |
| Number of ratings | 2 | **5** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Weekly** |
| Monetization | Freemium | Freemium |
| Size | 72 MB | 84 MB |
| Requires iOS | 17.0 | **16.4** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Leonel Osuna](https://appshunter.io/developer/1868258573) | [Rafael Chacon Botella](https://appshunter.io/developer/6795262830) |

## What reviewers say

### OffRisk

[App page](https://appshunter.io/ios/app/offrisk-expense-tracker/id6791018595)

Effortlessly track your spending, create budgets, and gain insights into your financial habits. This app uses AI to scan receipts, offers personalized financial education, and provides visual reports to help you manage your money effectively.

**Highlights:** Instant expense and income logging, AI-powered receipt scanning, Customizable budget limits, Visual spending analytics, AI financial education assistant, Home Screen widget for balance check

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| OffRisk Pro — Monthly Plan | $2.99 | per month |
| OffRisk Pro — Annual Plan | $24.99 | per year |


### Lingot

[App page](https://appshunter.io/ios/app/lingot-net-worth-tracker/id6795262828)

This app helps you track your total net worth by consolidating all your financial accounts, investments, property, and debts into a single, easy-to-understand number. It also provides monthly budgeting tools to manage income and expenses, offering insights into your financial progress.

**Highlights:** Track net worth across accounts, investments, property, and debt, Monthly budgeting for income and expenses, No bank connection required, Visualizations of net worth over time, Spending breakdowns by category, Milestone rewards (ingots)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Lingot Pro Mensual | $5.99 | per month |
| Lingot Pro | $5.99 | per month |
| Lingot Pro Anual | $39.99 | per year |
| Lingot Pro | $39.99 | per year |


## Frequently asked questions

### Is OffRisk free?

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

### Is Lingot free?

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

### Which has better reviews, OffRisk or Lingot?

Lingot is rated higher. OffRisk averages 4.5 out of 5 from 2 ratings, while Lingot averages 4.6 from 5 ratings.

### Do OffRisk or Lingot have ads?

Neither OffRisk nor Lingot shows ads.

### Which is updated more often, OffRisk or Lingot?

OffRisk ships an update every 5 weeks, and Lingot weekly. Most recently, OffRisk was updated on October 31, 2026 and Lingot on November 6, 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.*