# Money Manager vs zero

The clearest difference is rating: Money Manager at 4.5 against zero's 3.3. Money Manager also leads on review sentiment (78% vs 67%) and ratings volume (17 vs 3). zero's advantage is in-app purchases (none vs 5) and update cadence (every 2 weeks vs every 2 months). On price, ads and device support there is nothing between them.

Both are free to download. Money Manager sells 5 in-app purchases, starting at $0.99 per month. zero asks for nothing beyond the download.

Money Manager holds the better App Store score, 4.5 against 3.3. That said, the two scores are not equally well evidenced: Money Manager has 17 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 78% of Money Manager's written reviews are positive against 67% of zero's.

Money Manager ships an update every 2 months, zero every 2 weeks. The most recent releases landed on October 15, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Money Manager | zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (17 ratings)](https://appshunter.io/ios/app/money-manager-spending-tracker/id897334683/reviews)** | [3.3 (3 ratings)](https://appshunter.io/ios/app/zero-offline-expense-tracker/id6759560225/reviews) |
| Number of ratings | **17** | 3 |
| Positive reviews | **77.8% of reviews** | 66.7% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Freemium | **Free** |
| Size | 151 MB | 31 MB |
| Requires iOS | **13** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MISA JSC](https://appshunter.io/developer/518190309) | [Lossless Protocols](https://appshunter.io/developer/1879507198) |

## What reviewers say

### Money Manager

[App page](https://appshunter.io/ios/app/money-manager-spending-tracker/id897334683)

Manage your personal finances with this app. Track income and expenses, set budgets, manage debts, and forecast your financial future. It offers data protection and synchronization across devices.

**Highlights:** Track daily income/expense, Manage cash flow, Set budgets, Manage debts and loans, Create financial statements, Forecast future finances, Data synchronization across devices

**Features:** macOS Compatibility

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Money Keeper Premium Monthly | $0.99 | per month |
| Premium Monthly | $1.99 | per month |
| Money Keeper Premium Monthly | $3.99 | per year |
| Premium Yearly | $6.99 | per year |
| Lifetime Premium | $8.99 | one-time |


### zero

[App page](https://appshunter.io/ios/app/zero-offline-expense-tracker/id6759560225)

This app helps you track expenses and manage money owed without requiring an account or internet connection. It offers a clean interface for quick entry, custom categories, and visual reports to understand your spending. Your financial data remains private and is stored locally on your device.

**Highlights:** Offline expense tracking, No account required, Track money owed and lent, Customizable categories, Visual spending reports, Data export and import, Privacy-focused local storage

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

**In-app purchases:** none


## Frequently asked questions

### Is Money Manager free?

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

### Is zero free?

zero is free to download, with no in-app purchases.

### Which has better reviews, Money Manager or zero?

Money Manager is rated higher. Money Manager averages 4.5 out of 5 from 17 ratings, while zero averages 3.3 from 3 ratings.

### Do Money Manager or zero have ads?

Neither Money Manager nor zero shows ads.

### Which is updated more often, Money Manager or zero?

Money Manager ships an update every 2 months, and zero every 2 weeks. Most recently, Money Manager was updated on October 15, 2026 and zero on October 17, 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.*