Productivity comparison
Gamma vs Money Tracker
AI-generated presentations, decks, microsites, and narrative documents · People who will log spending themselves - by hand, by voice, by photographing a receipt, or on Android by confirming a captured bank notification - and who want budgets and category reports without handing a bank login to an app. Fits solo users and small shared households that want one ledger, multiple currencies and split bills. Not a fit for anyone who needs a documented privacy notice covering financial data, a Terms of Service, or a named AI processor before installing a finance app.
| Decision point | Gamma | Money Tracker (Expense & Budget) |
|---|---|---|
| Best for | AI-generated presentations, decks, microsites, and narrative documents | People who will log spending themselves - by hand, by voice, by photographing a receipt, or on Android by confirming a captured bank notification - and who want budgets and category reports without handing a bank login to an app. Fits solo users and small shared households that want one ledger, multiple currencies and split bills. Not a fit for anyone who needs a documented privacy notice covering financial data, a Terms of Service, or a named AI processor before installing a finance app. |
| Category | Productivity | Productivity |
| Price | Free + paid plans | Free with ads: manual entry, categories, budgets, charts, reports, multi-currency, split (AA) books and exports all work without paying. Premium is sold only inside the app stores - the vendor's own site publishes no price anywhere in its 45 locales. Apple's listing shows Yearly Premium $29.99 and Monthly Premium $2.99; Google Play lists in-app purchases at $2.99-$29.00 per item. Premium removes ads and adds unlimited AI entry, bill import (CSV, Excel, PDF or images), Android Smart Notification Entry, app lock, more books and accounts, and team books. |
| AIToolsEssentials editorial score | 4.3/5 | 3.5/5 |
Scores are editorial product assessments — job fit, likely output quality, ease of adoption, and operational cost — not lab benchmarks, and no tool here has a published hands-on result. How we score.
Evidence status
Individual plans re-confirmed on 2026-10-01 from gamma.app/pricing: free: $0; 400 one-time signup credits that do not refill; up to 10 slides per prompt; PDF, PPTX, PNG, and Google Slides export. plus: $9/seat/month equivalent, $108/seat billed annually; 1,000 monthly credits, up to 100 slides per prompt, branding removal, and advanced image models. pro: $18/seat/month equivalent, $216/seat billed annually; 4,000 monthly credits, premium image models, custom branding, analytics, 10 custom domains, API access, and workspace templates. ultra: $90/seat/month equivalent, $1,080/seat billed annually; 20,000 monthly credits, advanced text/image/video models, 100 custom domains, and early feature access. The page advertises saving up to 28% on annual billing. Team and Business pricing did not render on the 2026-10-01 fetch, so the previously recorded $20/$240 Team and $40/$480 Business figures were not re-confirmed.
Official sources checked 2026-10-01Open verification questions
- The Team and Business plan prices recorded on 2026-08-25 did not render on the 2026-10-01 fetch and were not re-confirmed.
- The official page was captured in its annual-billing state. Monthly individual-plan checkout prices were not independently captured and should not be inferred from the annual discount.
- Gamma's terms grant a broad training license where training controls are unavailable or left enabled; publications should distinguish individual plans from Team/Business plans.
The repository's 400-credit Free allowance remains supported, but those are one-time starter credits rather than a monthly refill. The repository's Plus $10 and Pro $20 figures do not match the current official annual-pricing view, which shows $9 and $18 monthly equivalents. Paid credits roll over only up to twice the monthly allocation; additional credits can be purchased. Individual Free, Plus, Pro, and Ultra workspaces allow Gamma to use content for AI-feature improvement by default, but users can opt out in account settings. Team and Business workspace content is automatically excluded from training, with the control locked. Gamma does not claim ownership of user content. Users grant Gamma a license needed to operate and provide the service. The pricing page also states that content remains the user's after cancellation or downgrade. Public API documentation is available at https://developers.gamma.app/; the pricing page says API access is available on paid plans and consumes AI credits. Approved and wired 2026-09-13: PartnerStack tracking URL on the Visit CTA. Official pricing, docs, privacy, and terms links stay on gamma.app. Editorial score, cons, and methodology are unchanged. Re-verified 2026-10-01: Free, Plus, Pro and Ultra individual prices and credit allocations are unchanged from the 2026-08-25 record. The Team and Business columns did not render, so those figures remain as recorded earlier rather than re-verified. The FAQ still states that paid credits roll over up to 2x the monthly amount and that Free credits are a one-time allocation.
Free with ads; Premium is an in-app subscription sold only by the app stores. The vendor's own site publishes no price at all - no currency or price token appears on /en/, /zh-cn/, /zh-tw/, /ja/, /de/ or the root page, and its FAQ describes only an "optional yearly Premium plan". Store figures: App Store in-app purchases Yearly Premium $29.99 and Monthly Premium $2.99; Google Play in-app purchases listed as "$2.99 - $29.00 per item". No refund policy is published on the vendor's domain (/Info/refundPolicy and /en/refund-policy both 404), so store policy governs billing. Premium unlocks ad removal, unlimited AI entry, bill import, Android Smart Notification Entry, app lock, extra books and team books.
Official sources checked 2026-10-22Submitted via form by the vendor 2026-10-23 03:33 UTC (2026-10-22 20:33 PDT); editorial entry written independently from live pages on the site's Pacific working date 2026-10-22. The submitted summary's own claim that no privacy page exists is only partly right: /privacy, /en/privacy, /en/privacy-policy and /privacy-policy all 404, but the Privacy Policy served at /Info/privacyPolicy returns 200 and is the exact URL both store listings cite as the app's policy - the marketing site simply never links it (no legal, contact or terms link appears in any of the 45 locales; the footer is "(c) Money Tracker" and no email address appears anywhere on the site). No Terms of Service exists on the domain: /terms, /terms.html, /en/terms, /terms-of-service, /en/terms-of-service, /legal, /agreement, /Info/agreement, /eula, /Info/eula, /Info/terms and /Info/termsAndConditions all 404, while the notice states the terms used have the same meanings as in "our Terms and Conditions, which are accessible at Money Tracker". Notice content verified in full: effective 2023-03-09, contact freemanzk@163.com, third parties named as Google Play Services, Apple Services, AdMob, Firebase Analytics, Crashlytics, Facebook and Adjust, GDPR/CCPA rights sections, no retention periods, no controller postal address or governing law, and no mention of financial information, receipt or bill images, voice recordings, notification content or any AI processor - while Google Play's Data safety declares collection of "Personal info, Financial info and 2 others" and sharing of "Personal info and Device or other IDs", and Apple's App Privacy label (declared by the developer, unverified by Apple) lists Identifiers used to track you and Purchase History, Other User Content, User ID and Device ID linked to the user. The notice also calls the service "an Ad Supported app" "provided ... at no cost" against live in-app purchases, and its CCPA section refers to a "Do Not Sell My Personal Information" section or web page that is not published. Both stores verified as the same product and operator: Google Play com.freeman.moneymanager, 5M+ installs, 4.8 stars from about 324K reviews, updated 2026-10-21, developer account Horoscope365, developer block naming Zheng Kui with a Beijing postal address and support address freemanzk@163.com, website field money.quhou123.com; App Store id6444122615, 4.8 from 414 ratings, seller Zheng Kui, category Finance, Privacy Policy field the same /Info/privacyPolicy URL, in-app purchases $29.99 yearly and $2.99 monthly. Domain quhou123.com registered 2018-02-28 via Alibaba Cloud (Beijing), nameservers vip3/vip4.alidns.com, A record 161.117.61.56 (Alibaba Cloud), and no MX records - so no @quhou123.com mailbox can receive mail and the published 163.com address plus the Gmail used for the submission are the only working routes. The operator's horoscope site www.quhou123.com is live and is the origin of the Horoscope365 publisher name. Name checked: 'Money Tracker' is a crowded descriptive name across both stores rather than a brand dispute, and the App Store description body still calls the product 'Money Manager' while the store title says Money Tracker.
How to decide
Match each platform to your actual workflow constraints. Run one real workflow in each finalist before paying.
Quick recommendation
Use the trial checklist on each review page and the free scorecard to record time-to-result, corrections needed, and monthly cost at your expected volume before committing to a plan.
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