Comparison

Budget Planner vs Quartzo

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

Head to head
About

Budget Planner

Easily track your income and expenses to manage your finances. Offers customizable accounts, flexible budgeting, and secure synchronization across devices. Visualize your financial health with powerful reports and helpful tools.

Highlights
  • Quick transaction adding
  • Customizable accounts and categories
  • Device synchronization
  • Flexible budget settings
  • Scheduled transactions
  • Interactive reports
  • Security code on launch
Features
Read full description

Application for quick tracking of your expenses and income as well as control over your financial situation. Features: • Quick and easy adding of transactions. • Customizable accounts and categories—you can select icons and colors. • Synchronization between devices. • Flexible budget settings. • Scheduled transactions. • Built-in calculator and currency converter. • Automatic backup. • Multiple currencies: over 170 currencies and exchange rates. • Transfers between accounts (Double-entry bookkeeping system supported). • A clean, intuitive, and well-thought-out design. • Powerful interactive reports. • Attaching images to transactions. • Security code on launch (Touch ID and Face ID). • Geotagging. • Tags. • Search. • Widgets for Home Screen and Lock Screen. • Siri and Shortcuts. Privacy Policy: https://moneyflow.cloud/en/legal/privacy-policy License Agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Quartzo

Manage your finances with this intuitive app. Track expenses, organize accounts, and set up recurring payments. Customizable notifications and iCloud backup ensure you stay in control of your money.

Highlights
  • Multiple wallets for account organization
  • Expense categorization
  • Automated recurring transaction recording
  • Customizable expense notifications
  • iCloud backup for data security
  • Home screen widgets for quick viewing and addition
  • Apple Pay transaction recognition integration
Features
Read full description

Quartzo - Spending Tracker is your essential partner for managing your finances conveniently and efficiently. With essential features and an intuitive interface, Quartzo provides complete control over your expenses, ensuring solid and successful financial management. Highlighted Features: Multiple Wallets: Organize your finances according to your needs, maintaining detailed control of all your accounts. Create Wallets and organize your transactions by context. Categorization: Easily identify where your money is being spent, allowing for a better understanding of your financial habits and areas for saving and investing. Automated Recurrence: Simplify the recording of regular expenses, such as monthly bills and recurring payments, ensuring nothing goes unnoticed and facilitating long-term financial planning. Customizable Notifications: Stay updated on your expenses and balances with customizable notifications, helping to maintain control and avoid unpleasant surprises. iCloud Backup: Protect your financial data and keep it available on all your devices with iCloud Backup, providing peace of mind and security anywhere. Dynamic Widgets: Quick View: View your latest transaction added directly on the home screen or lock screen, making it easier to track your expenses in real time. Simplified Addition: Easily create new expense or income transactions through widgets, streamlining the financial recording process. Integration with Shortcuts: Instant Transaction Addition: Add new transactions without opening the app, using custom shortcuts for a faster and more convenient experience. Apple Pay Transaction Recognition: Integrate Quartzo with Apple Pay's physical card transaction recognition, further simplifying the recording of your expenses. Quartzo Personal Finance offers an intuitive and user-friendly experience, allowing you to manage your personal finances efficiently in a matter of seconds. Download now and start mastering your finances intelligently! Download Quartzo now and take control of your finances, ensuring you stay within your budget. Transform financial management into a simple and efficient experience with Quartzo, your trusted partner for personal financial success. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.quartzo.app/privacy.html

Screenshots

Budget Planner4 screens
Quartzo4 screens

Verdict

The call

The clearest difference is rating: Budget Planner at 4.7 against Quartzo's 4.3. Budget Planner also leads on ratings volume (729 vs 4) and review sentiment (76% vs 62%). Quartzo's advantage is update cadence (weekly vs every 3 weeks). On price, ads, in-app purchases and monetization model 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. Budget Planner sells 10 in-app purchases, starting at $1.99 per 7 days and Quartzo sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Budget Planner holds the better App Store score, 4.7 against 4.3. That said, the two scores are not equally well evidenced: Budget Planner has 729 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 76% of Budget Planner's written reviews are positive against 62% of Quartzo's.

UpkeepUpdate frequency

Budget Planner ships an update every 3 weeks, Quartzo weekly. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.

Scorecard6 real differences · 4 level
Budget Planner versus Quartzo: the parameters behind the verdict, then further details
ParameterBudget PlannerQuartzo
PriceFreeFree
Rating4.7 (729 ratings) — better4.3 (4 ratings)
Positive reviews76.2% of reviews — better61.9% of reviews
Number of ratings729 — better4
Update frequencyEvery 3 weeksWeekly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPod, Mac — betteriPhone, iPad
Requires iOS15.0 — better18
Further details — not scored
Size125 MB24 MB
Age rating4++17
DeveloperHermann WagenleitnerRafael Ramos

Customer experience

Budget Planner

All ratings729 ratings
Positive94.2%
Neutral2.1%
Negative3.7%
Written reviews282 reviews
Positive76.2%
Neutral8.5%
Negative15.2%

Quartzo

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews21 reviews
Positive61.9%
Neutral9.5%
Negative28.6%

Bugs and requests

Budget Planner

Reported bugs

4 issues
  • Disappearing expense categories
  • Crashes when generating reports
  • Incorrect transaction dates
  • Issues with CSV import/export

Requested features

5 requests
  • Calendar view for transactions
  • Ability to mark transactions as cleared
  • Recurring bill management
  • Widgets and shortcuts for quicker entry
  • Multi-user support and family sharing

Quartzo

Not enough reviews yet to summarise bugs or requests.

In-app purchases

10 purchases

Budget Planner

Subscriptions5
  • Money Flow PRO$1.997 Days
  • Money Flow PRO$3.991 Month
  • Money Flow PRO$4.991 Month
Show 2 more
  • Money Flow PRO$16.991 Year
  • Money Flow PRO$24.991 Year
One-time5
  • Money Flow PRO$19.99
  • Money Flow PRO$24.99
  • Money Flow PRO$34.99
Show 2 more
  • Money Flow PRO$39.99
  • Money Flow PRO$49.99
3 purchases

Quartzo

Subscriptions2
  • Quartzo Pro: Monthly3 Days trial$1.991 Month
  • Quartzo Pro: Annually$14.991 Year
One-time1
  • Quartzo Pro: Lifetime$19.99

Questions

Is Budget Planner free?
Budget Planner is free to download, with in-app purchases available.
Is Quartzo free?
Quartzo is free to download, with in-app purchases available.
Which has better reviews, Budget Planner or Quartzo?
Budget Planner is rated higher. Budget Planner averages 4.7 out of 5 from 729 ratings, while Quartzo averages 4.3 from 4 ratings.
Do Budget Planner or Quartzo have ads?
Neither Budget Planner nor Quartzo shows ads.
Which is updated more often, Budget Planner or Quartzo?
Budget Planner ships an update every 3 weeks, and Quartzo weekly. Most recently, Budget Planner was updated on September 22, 2026 and Quartzo on September 24, 2026.

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