Comparison

Buddy vs Quartzo

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

Head to head
About

Buddy

This app helps you create and manage personal or shared budgets. Track expenses, connect your bank account for automatic transaction import, and gain a clear overview of your spending, income, and savings. It also features tools to split costs and settle up with others.

Highlights
  • Create personal budgets
  • Shared budgeting for couples/groups
  • Connect bank accounts for transaction import
  • Detailed spending and income overview
  • Expense splitting and settlement tracking
Features
Currently charting
Read full description

Buddy helps you set up a budget and keep track of your expenses, either by yourself or together with your loved ones. Here’s what is waiting for you inside: BUDGETS Buddy will help you not to overspend on your well-earned salary by setting up a budget plan that fits you. Do you want a shared budget with your partner? Or keep the expenses between you and your mates fair on the vacation? No problem, just invite them and get a clear picture of who spent what. CONNECT YOUR BANK Import all transactions from your bank account into Buddy and see how your budget is doing. OVERVIEW We'll give you a beautiful & detailed overview of your spendings, income, and savings. SPLIT Split lets you know who paid what, and how to settle up. And much more for you to find. Take control of your finance today! Buddy offers a $9.99 monthly renewing and a $49.99 yearly renewing subscription to unlock Premium functionality. The purchase will be charged from your iTunes account if you choose to buy the Buddy Premium subscription. You can manage or cancel your subscription through the user settings in iTunes after the purchase. The subscription period ends with the same kind of subscription you already bought to the same price unless you turn off your subscription 24 hours before it renews. It is not possible to cancel your current subscription during the time your subscription is active. Terms & Conditions: http://www.nattkod.tech/privacy_policy_terms_conditions

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

Buddy4 screens
Quartzo4 screens

Verdict

The call

The clearest difference is rating: Buddy at 4.7 against Quartzo's 4.3. Buddy also leads on ratings volume (9.5K vs 4) and chart position (#64 vs unranked). Quartzo's advantage is review sentiment (62% vs 49%). On price, update cadence, 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. Buddy sells 11 in-app purchases, starting at $4.99 per month 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

Buddy holds the better App Store score, 4.7 against 4.3. That said, the two scores are not equally well evidenced: Buddy has 9.5K ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 49% of Buddy's written reviews are positive against 62% of Quartzo's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Buddy ships an update every 9 days, Quartzo weekly. The most recent releases landed on September 28, 2026 and September 24, 2026 respectively.

Scorecard4 real differences · 7 level
Buddy versus Quartzo: the parameters behind the verdict, then further details
ParameterBuddyQuartzo
PriceFreeFree
Rating4.7 (9.5K ratings) — better4.3 (4 ratings)
Positive reviews48.8% of reviews61.9% of reviews — better
Number of ratings9.5K — better4
Update frequencyEvery 9 daysWeekly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
Best chart rank#64 — better—
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS18.018
Further details — not scored
Size152 MB24 MB
Age rating4++17
DeveloperBuddy Budgeting ABRafael Ramos

Customer experience

Buddy

All ratings9,455 ratings
Positive92.8%
Neutral3.0%
Negative4.2%
Written reviews861 reviews
Positive48.8%
Neutral12.1%
Negative39.1%

Quartzo

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

Bugs and requests

Buddy

Reported bugs

5 issues
  • Recurring transactions not working as expected
  • Balance not carrying over to next month
  • Syncing issues between devices
  • Transactions disappearing or resetting
  • Inability to edit categories without creating new ones

Requested features

8 requests
  • Calendar view for transactions
  • Bill reminders and due date tracking
  • Ability to hide/exclude certain transactions
  • Savings/investment tracking
  • Multi-currency support
Show 3 more
  • Ability to reorder categories
  • Weekly budget view
  • Ability to split transactions

Quartzo

Not enough reviews yet to summarise bugs or requests.

In-app purchases

11 purchases

Buddy

Subscriptions10
  • Buddy Premium7 Days trial$4.991 Month
  • Buddy Premium$4.991 Month
  • Premium$9.991 Month
Show 7 more
  • Buddy Premium$9.991 Month
  • Buddy Premium7 Days trial$16.991 Year
  • Buddy Premium7 Days trial$24.991 Year
  • Buddy Premium7 Days trial$34.991 Year
  • Buddy Premium1 Year trial$34.991 Year
  • Buddy Premium7 Days trial$39.991 Year
  • Buddy Premium7 Days trial2 variants$49.991 Year
One-time1
  • Unlimited$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 Buddy free?
Buddy 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, Buddy or Quartzo?
Buddy is rated higher. Buddy averages 4.7 out of 5 from 9.5K ratings, while Quartzo averages 4.3 from 4 ratings.
Do Buddy or Quartzo have ads?
Neither Buddy nor Quartzo shows ads.
Which is updated more often, Buddy or Quartzo?
Buddy ships an update every 9 days, and Quartzo weekly. Most recently, Buddy was updated on September 28, 2026 and Quartzo on September 24, 2026.

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