# OffRisk vs Lucia

The clearest difference is rating: Lucia at 5.0 against OffRisk's 4.5. Lucia also leads on update cadence (every 4 days vs every 5 weeks). OffRisk's advantage is iOS requirement (17.0 vs 26.0). On price, review sentiment, ratings volume and ads there is nothing between them.

Both are free to download. OffRisk sells 2 in-app purchases, starting at $2.99 per month and Lucia sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Lucia holds the better App Store score, 5.0 against 4.5. Both are backed by a comparable volume of ratings — 2 and 2 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

OffRisk ships an update every 5 weeks, Lucia every 4 days. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | OffRisk | Lucia |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (2 ratings)](https://appshunter.io/ios/app/offrisk-expense-tracker/id6791018595/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/lucia-expense-tracker/id6806171510/reviews)** |
| Number of ratings | 2 | 2 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 4 days** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 72 MB | 35 MB |
| Requires iOS | **17.0** | 26.0 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Leonel Osuna](https://appshunter.io/developer/1868258573) | [Juan Pablo Martinez Saavedra](https://appshunter.io/developer/6806171512) |

## 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 |


### Lucia

[App page](https://appshunter.io/ios/app/lucia-expense-tracker/id6806171510)

Effortlessly track your spending with automatic logging of Apple Pay purchases and simple one-tap entry for other payments. Share financial profiles with loved ones and manage subscriptions, bills, and savings goals securely on your device.

**Highlights:** Automatic Apple Pay purchase logging, One-tap manual transaction entry, Shared financial profiles, Subscription and bill tracking, Customizable spending limits, Savings vaults with goals, Home screen widgets

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Lifetime Access | $9.99 | one-time |


## Frequently asked questions

### Is OffRisk free?

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

### Is Lucia free?

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

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

Lucia is rated higher. OffRisk averages 4.5 out of 5 from 2 ratings, while Lucia averages 5.0 from 2 ratings.

### Do OffRisk or Lucia have ads?

Neither OffRisk nor Lucia shows ads.

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

OffRisk ships an update every 5 weeks, and Lucia every 4 days. Most recently, OffRisk was updated on October 24, 2026 and Lucia on October 29, 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.*