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Personal Finance · head to head

Expense Manager vs Kraken

E

Expense Manager

Personal Finance

Track every rupee and dollar

From
Free
Rated
-
Full reviewWebsite
Kraken logo

Kraken

Personal Finance

Secure cryptocurrency exchange for serious traders

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Expense Manager the Internet Archive's capture from 23 January 2022 shows expensemanagerapp.com already redirecting to a Dan.com 'domain name is for sale' listing rather than a product page, confirming the app's original domain has been abandoned and offered for resale.; Kraken restricted in 16 jurisdictions due to compliance requirements
  • They diverge on capability: Expense Manager covers Expense tracking, Kraken covers Spot Trading.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Expense Manager and Kraken actually diverge.

Attributes where Expense Manager and Kraken differ
AttributeExpense ManagerKraken
PlatformsIOS, AndroidWeb, Ios, Android

Identical on both: starting price (Free), pricing model (freemium), free tier (Yes), user rating (Not yet rated), category (Personal Finance), founded (2011).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Expense Manager

  • Expense tracking
  • Shared expenses
  • Bill splitting
  • Budgeting
  • Cloud backup
  • IOS support

Only in Kraken

  • Spot Trading
  • Futures Trading
  • Margin Trading
  • Staking
  • OTC Desk
  • Bank transfers
  • SWIFT
  • Plaid

Both cover

  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Expense Manager

  • Budget Managementnot Kraken
  • Expense Trackingnot Kraken
  • Investment Trackingnot Kraken

Kraken

  • Exchangesnot Expense Manager
  • Tradingnot Expense Manager
  • Stakingnot Expense Manager

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Expense Manager

  • The Internet Archive's capture from 23 January 2022 shows expensemanagerapp.com already redirecting to a Dan.com 'domain name is for sale' listing rather than a product page, confirming the app's original domain has been abandoned and offered for resale.

Kraken

  • Restricted in 16 jurisdictions due to compliance requirements
  • Withdrawal processing delays due to KYC verification, blockchain confirmations, and compliance checks
  • Account restrictions triggered by scam prevention can only be lifted after 90 days
  • Margin trading limited to 5x leverage on most assets; 10x available only to eligible users

Pricing, plan by plan

Expense Manager

Free
  • FreeFree
    • Expense tracking
    • Shared expenses
  • Pro$2.99/month
    • Budget tracking
    • Analytics
    • CSV export

Kraken

Free
  • StarterFree
    • Basic trading
    • Staking
    • Instant buy
  • ProFree
    • Advanced trading
    • Margin trading
    • Futures

Which should you pick?

Choose Expense Manager if

  • You need expense tracking.
  • You want to start without paying.
  • You work on IOS, Android.
  • You also want shared expenses.
Expense Manager review

Choose Kraken if

  • You need spot trading.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want futures trading.
Kraken review

Questions people ask

Is Expense Manager or Kraken better?
Neither clearly leads. Expense Manager starts at Free and Kraken at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Expense Manager or Kraken?
Expense Manager starts at Free and Kraken at Free.
Does Expense Manager or Kraken run on more platforms?
Expense Manager runs on IOS, Android. Kraken runs on Web, Ios, Android.
Can I use Expense Manager for free?
Both have a free tier, so you can try either at no cost before committing.
What is Expense Manager best used for?
Expense Manager is most often used for budget management, expense tracking, investment tracking. Of those, budget management and expense tracking are not what Kraken is typically brought in for.
What can Expense Manager do that Kraken cannot?
Expense Manager covers Expense tracking, Shared expenses, Bill splitting, Budgeting. Kraken covers Spot Trading, Futures Trading, Margin Trading, Staking. Both handle Android support.

Answered from the vendors’ own pages

Kraken: How much does Kraken charge in fees?

Kraken Pro spot trading fees start at 0.25 percent maker and 0.40 percent taker for entry-level volume, decreasing to 0.00 percent maker and 0.08-0.10 percent taker at USD 10M+ monthly volume. The Kraken standard platform charges 1 percent on instant trades and 1.5 percent on custom orders. Kraken+ membership costs 4.99 USD/month or 49.99 USD/year for up to USD 10k/month in fee-free volume.

Source
Kraken: In how many countries can I use Kraken?

Kraken supports 190+ countries and 9 major fiat currencies (USD, EUR, GBP). However, services are restricted in 16 jurisdictions including Russia, Iran, North Korea, Syria, and Afghanistan due to regulatory compliance requirements.

Source
Kraken: Is Kraken custody secure?

Kraken holds ISO/IEC 27001:2022 certification and passed SOC 2 Type 1 examination. The exchange uses cold storage with crypto infrastructure in secure cages under 24/7 armed surveillance. Kraken Custody uses multiparty computation (MPC) and hardware security module (HSM) technology. As a Wyoming SPDI-chartered institution, Kraken Financial operates on full-reserve basis, holding 100 percent of client deposits in unencumbered liquid assets.

Source
Kraken: What cryptocurrencies can I trade?

Kraken supports 500+ cryptocurrencies across 600+ crypto trading pairs. The platform also offers tokenized equities (xStocks) for direct trading of stock exposure, and supports staking rewards on eligible digital assets.

Source
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