# Co vs Shared AI Budget Tracker

The clearest difference is in-app purchases: Co at none against Shared AI Budget Tracker's 7. Shared AI Budget Tracker's advantage is update cadence (monthly vs every 4 months) and iOS requirement (14.0 vs 16). On price, ads and device support there is nothing between them.

Both are free to download. Shared AI Budget Tracker sells 7 in-app purchases, starting at $3.99 per month. Co asks for nothing beyond the download.

Co ships an update every 4 months, Shared AI Budget Tracker monthly. The most recent releases landed on October 16, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | Co | Shared AI Budget Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.8K ratings)](https://appshunter.io/ios/app/co-optima-mobile/id908778730/reviews)** | — |
| Number of ratings | **1.8K** | — |
| Positive reviews | 57.1% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | Free | — |
| Size | 27 MB | 31 MB |
| Requires iOS | 16 | **14.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Barbados Public Workers' Co-operative Credit Union Limited](https://appshunter.io/developer/908778733) | [Karuppasamy Pandiyan Marimuthu](https://appshunter.io/developer/1885538020) |

## What reviewers say

### Co

[App page](https://appshunter.io/ios/app/co-optima-mobile/id908778730)

Manage your finances with a sleek, secure digital banking app. Control your cards, set travel alerts, and receive real-time notifications for all account activity. Enjoy fast transfers, bill payments, and 24/7 access with enhanced security features.

**Highlights:** Card Controls (lock/unlock), Travel Notifications, Real-Time Account Alerts, Fast Transfers & Bill Payments, Biometric & Two-Factor Authentication, 24/7 Account Access

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly app
- 🚀 Convenient to use
- 🔒 Added security features

**What reviewers complain about**

- 🐛 Bugs and glitches after updates
- ⚠️ Frequent password changes required
- 🔒 Inconsistent Face ID
- 🤔 Confusing navigation

**Reported bugs**

- Randomly prompts to enroll as new user
- Unable to make RTP transfers
- Unable to access account after update

**Requested features**

- View account number in app
- Add payees for frequent transfers
- Transfer money with email or phone number


### Shared AI Budget Tracker

[App page](https://appshunter.io/ios/app/shared-ai-budget-tracker/id6765643311)

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

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month Premium Subscription | $3.99 | per month |
| 1 Year Premium | $24.99 | per year |
| 1 Month Premium | $4.99 | one-time |
| 3 Month Premium | $12.99 | one-time |
| 6 Month Premium | $19.99 | one-time |
| 1 Year Premium | $29.99 | one-time |
| Lifetime Premium | $69.99 | one-time |


## Frequently asked questions

### Is Co free?

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

### Is Shared AI Budget Tracker free?

Shared AI Budget Tracker is free to download, with in-app purchases available.

### Do Co or Shared AI Budget Tracker have ads?

Neither Co nor Shared AI Budget Tracker shows ads.

### Which is updated more often, Co or Shared AI Budget Tracker?

Co ships an update every 4 months, and Shared AI Budget Tracker monthly. Most recently, Co was updated on October 16, 2026 and Shared AI Budget Tracker on October 1, 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.*