# Cent m vs Kharcha Book

The clearest difference is review sentiment: Kharcha Book at 81% against Cent m's 28%. Kharcha Book also leads on rating (4.5 vs 2.7) and update cadence (every 3 weeks vs every 10 months). Cent m's advantage is in-app purchases (none vs 6) and ads (none vs shown). On price, ratings volume and device support there is nothing between them.

Both are free to download. Kharcha Book sells 6 in-app purchases, starting at $0.99 per month. Cent m asks for nothing beyond the download.

Kharcha Book holds the better App Store score, 4.5 against 2.7. Both are backed by a comparable volume of ratings — 60 and 60 respectively. Written reviews point the same way: 28% of Cent m's written reviews are positive against 81% of Kharcha Book's.

Cent m ships an update every 10 months, Kharcha Book every 3 weeks. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Cent m | Kharcha Book |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.7 (60 ratings)](https://appshunter.io/ios/app/cent-m-passbook/id950604171/reviews) | **[4.5 (60 ratings)](https://appshunter.io/ios/app/kharcha-book-expense-manager/id1608360032/reviews)** |
| Number of ratings | 60 | 60 |
| Positive reviews | 27.8% of reviews | **81.1% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 10 months | **Every 3 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 26 MB | 58 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CENTRAL BANK OF INDIA](https://appshunter.io/developer/950604170) | [Undivided Media Inc.](https://appshunter.io/developer/1598909066) |

## What reviewers say

### Cent m

[App page](https://appshunter.io/ios/app/cent-m-passbook/id950604171)

Manage your bank account statements directly on your mobile device. Access your transaction history offline, filter by date, and search by various criteria. Personalize your ledger and share details easily.

**Highlights:** Offline transaction viewing, Transaction filtering and search, Personalized ledger creation, Account/transaction sharing, Multilingual support (English/Hindi), Set default account

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

**In-app purchases:** none


### Kharcha Book

[App page](https://appshunter.io/ios/app/kharcha-book-expense-manager/id1608360032)

Effortlessly track personal or shared expenses with this comprehensive ledger. Manage budgets, split bills with family or roommates, and gain clear insights into your spending habits through visual reports. Supports offline use and real-time notifications for transparent financial management.

**Highlights:** Multi-book management, Collaborative expense tracking, Quick logging of cash in/out, Automatic currency detection, Visual income vs. spending reports, Offline support, Real-time notifications

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

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $0.99 | per month |
| Premium Monthly | $2.99 | per month |
| Premium Monthly | $2.99 | per month |
| Premium Yearly | $4.99 | per year |
| Premium Yearly | $19.99 | per year |
| Premium Yearly | $19.99 | per year |


## Frequently asked questions

### Is Cent m free?

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

### Is Kharcha Book free?

Kharcha Book is free to download, with in-app purchases available.

### Which has better reviews, Cent m or Kharcha Book?

Kharcha Book is rated higher. Cent m averages 2.7 out of 5 from 60 ratings, while Kharcha Book averages 4.5 from 60 ratings.

### Do Cent m or Kharcha Book have ads?

Kharcha Book shows ads; Cent m does not.

### Which is updated more often, Cent m or Kharcha Book?

Cent m ships an update every 10 months, and Kharcha Book every 3 weeks. Most recently, Cent m was updated on November 6, 2026 and Kharcha Book on November 7, 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.*