Comparison

Funds. vs Trace

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

Head to head
About

Funds.

Easily create and visualize your budget with this app. Track income and expenses with customizable frequencies and see your savings progress through a dynamic color scheme. Premium features offer multiple budgets, enhanced security, and export options.

Highlights
  • Simplified budget creation
  • Income and expense tracking
  • Customizable frequency settings
  • Visual savings progress
  • Multiple budget support (Premium)
  • Passcode/Biometric lock (Premium)
  • Budget export (Premium)
  • iCloud sync across devices
Features
Read full description

Creating a budget should be easy and fun. Funds helps you create a budget by simplifying the process and eliminating complicated steps. Simply add your income and expenses including the amount and frequency (daily, weekly, monthly, yearly) for each item and Funds will calculate and visualize how much you're spending and saving. The color scheme will also change based on how much you're saving to give you a quick impression of your savings throughout the app. Premium Features: - Multiple Budgets - Passcode / Touch ID / Face ID Lock - Budget Export Funds also uses iCloud to sync your budget across all your iOS devices. For any feedback, please email funds@moesalih.com. If you like the app, please review and share. Thank you.

About

Trace

This app helps you manage your daily spending to achieve monthly financial goals. It offers a simple way to create budgets, track expenses, and understand your available spending money each day. Focus on today's habits to build effective personal finance.

Highlights
  • Daily spending tracking
  • Monthly financial goal setting
  • Simple budget creation
  • Expense and income tracking
  • Automatic transaction clearing
Features
Read full description

Trace helps you understand your money—not manage a budget. Instead of asking you to categorize every purchase or stay within spending limits, Trace automatically analyzes your financial activity and reveals the story behind your money. Securely connect your accounts to see income, spending, balances, recurring payments, and financial trends in one beautifully designed experience. Every transaction includes context, every trend has a comparison, and every month tells a clearer story. Built for professionals who value precision over spreadsheets and insights over notifications, Trace surfaces the information that actually matters. Features Financial Intelligence See where your money is going without creating budgets Compare spending month-over-month Understand what changed and why Identify meaningful financial trends automatically Complete Account Overview View all connected accounts in one place Monitor balances across institutions Track cash flow over time Secure bank connectivity powered by Plaid Transaction Transparency Rich transaction details on every purchase Merchant information and categorized spending Compare transactions against previous periods Instantly understand spending patterns Recurring Income & Expenses Automatically detect subscriptions and recurring payments Track recurring income Monitor upcoming financial commitments Spot changes in recurring charges Smart Notifications Stay informed about important account activity Receive meaningful financial insights—not noise Get notified when spending trends shift Surface unusual changes automatically Designed for Clarity Trace isn't about telling you to spend less. It's about giving you complete visibility into your finances so every dollar has context. Know where your money went. Understand what's changing. Make decisions with confidence. Please see below for our user agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Funds.4 screens
Trace4 screens

Verdict

The call

The clearest difference is update cadence: Trace at every 8 days against Funds.'s every 2 months. Trace also leads on rating (4.4 vs 4.1) and review sentiment (83% vs 65%). Funds.'s advantage is device support (3 vs 1) and iOS requirement (13.0 vs 16.0). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Funds. sells 4 one-off in-app purchases and Trace sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Trace holds the better App Store score, 4.4 against 4.1. Both are backed by a comparable volume of ratings — 8 and 18 respectively. Written reviews point the same way: 65% of Funds.'s written reviews are positive against 83% of Trace's.

UpkeepUpdate frequency

Funds. ships an update every 2 months, Trace every 8 days. The most recent releases landed on October 23, 2026 and November 1, 2026 respectively.

Scorecard5 real differences · 5 level
Funds. versus Trace: the parameters behind the verdict, then further details
ParameterFunds.Trace
PriceFreeFree
Rating4.1 (8 ratings)4.4 (18 ratings) — better
Positive reviews65.4% of reviews83.3% of reviews — better
Number of ratings818 — better
Update frequencyEvery 2 monthsEvery 8 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better16.0
Further details — not scored
Size2 MB14 MB
Age rating4+4+
DeveloperMoe SalihStackchief LLC

Customer experience

Funds.

All ratings8 ratings
Positive75.0%
Neutral12.5%
Negative12.5%
Written reviews26 reviews
Positive65.4%
Neutral11.5%
Negative23.1%

Trace

All ratings18 ratings
Positive83.3%
Neutral5.6%
Negative11.1%
Written reviews18 reviews
Positive83.3%
Neutral5.6%
Negative11.1%

In-app purchases

4 purchases

Funds.

One-time4
  • Generous Tip$0.99
  • Premium$0.99
  • Massive Tip$2.99
Show 1 more
  • Amazing Tip$4.99
2 purchases

Trace

Subscriptions2
  • Daily Budget Pro14 Days trial$4.991 Month
  • Trace - Money Tracking14 Days trial$49.991 Year

Questions

Is Funds. free?
Funds. is free to download, with in-app purchases available.
Is Trace free?
Trace is free to download, with in-app purchases available.
Which has better reviews, Funds. or Trace?
Trace is rated higher. Funds. averages 4.1 out of 5 from 8 ratings, while Trace averages 4.4 from 18 ratings.
Do Funds. or Trace have ads?
Neither Funds. nor Trace shows ads.
Which is updated more often, Funds. or Trace?
Funds. ships an update every 2 months, and Trace every 8 days. Most recently, Funds. was updated on October 23, 2026 and Trace on November 1, 2026.

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