Comparison

My Wallets vs Rational Spending

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

Head to head
About

My Wallets

Manage your personal finances by tracking expenses and income. Organize transactions by categories, accounts, and currencies to gain insights into your spending habits and save money effectively.

Highlights
  • Expense and income tracking
  • Categorization of transactions
  • Multi-currency support
  • Cloud synchronization
  • Password protection
  • Graphical reports
Features
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Do you want to control your expenses and be always aware of how much money you have spent and obtained over the past day, week, month or even year? This program will be the best financial assistant for you in this regard. You will always be informed of your financial possibilities. The app will show you, where you can save money and where you can spend more than usual. It is much easier to do this by using categories (food, clothes, car), accounts (cash, bank card, deposit), currencies (dollars, euros, pounds) and transfers (from one account to another). Your details will be securely saved. Syncing with the cloud will save your data, even if the device fails to function. You can set the app logon password, just in case your device is used by others, so you can stop worrying about your data confidentiality. You can easily use the application and you will be able to quickly add new recordings of expenses. The program requires a minimum of time for keeping records; it is easy enough for novices, while it provides rich functionality and a lot of settings for experienced users. One base on different devices. Thanks to the syncing with the cloud, the whole family can use the application. Your phone will inform you of any change in the database with a notification. You can log in to the app using other devices or via WEB-interface (browser), following the link “http://walletsapp.com”. Forget about past problems of unknown losses and counting money for a long time. Now you have a reliable program that will help you: - Reduce your expenses; - Calculate the total capital in different currencies; - Save your family budget; - Assess your financial possibilities; As our ancestors used to say, money likes to be counted! Therefore, a personal banking system allows you to safely manage any money transactions, look through charts and reports, and sort your incomings and expenses according to different categories. Download the mobile application and do not lose sight of any financial transaction. System capabilities: - Addition of accounts (including multicurrency), categories (and subcategories); - Addition of transactions and remittances (in the same or different currencies); - View of the current exchange rates used in the application; - Syncing with the cloud and with different devices; - App logon password; - View of the current funds in the same currency; - Graphical reports according to the categories, accounts and currencies; - Daily, weekly, monthly and annual reports on the incomings and expenses; - Graphic report on the size of the capital in different currencies for a selected period; - Log in to the application database via a browser (WEB-version), following the link http://walletsapp.com. Differences from the free version: - No advertising; Create your own financial history and always keep up with the flow of your own cash!

About

Rational Spending

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Rational Spending is a simple money tracker with native iOS interface. The app helps you keep track of your finances - expenses and earnings. With this app, you can easily note your own costs or earnings - input manually, import from file or automatically load bank accounts statement from available banks. At the moment Ukrainian bank Monobank is available. View charts and graphs to help you better understand your finances. Filter your money flows data by different parameters. This makes it easy to identify spending trends, track your expenses, and plan for the future. Control you week/month/year expenses by Spending Limits feature. Rational Spending has convenient transactions importing tool. So if your bank is not present in integrations yet you can manually import bank statement via transactions importing tool. Just load bank statement via CSV file or paste as string from clipboard, match fields and correct format if you need. It's easy to migrate your transactions data from other app or source. Whether you're an entrepreneur, freelancer, or just looking to get a better handle on your finances, Rational Spending is the perfect tool for you. With its intuitive interface, powerful features, and flexible options, it's the ultimate financial management app for anyone who wants to keep their finances under control.

Screenshots

My Wallets4 screens
Rational Spending4 screens

Verdict

The call

The clearest difference is price: Rational Spending at Free against My Wallets's $1.99. Rational Spending also leads on update cadence (every 9 days vs every 6 months). My Wallets's advantage is iOS requirement (12.1 vs 15.5). On ads, in-app purchases and device support 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

Rational Spending is free to download; My Wallets costs $1.99 up front. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

My Wallets ships an update every 6 months, Rational Spending every 9 days. The most recent releases landed on November 6, 2026 and October 27, 2026 respectively.

Scorecard3 real differences · 7 level
My Wallets versus Rational Spending: the parameters behind the verdict, then further details
ParameterMy WalletsRational Spending
Price$1.99Free — better
Rating3.5 (6 ratings) — better—
Positive reviews54.8% of reviews—
Number of ratings6 — better—
Update frequencyEvery 6 monthsEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationPaid—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.1 — better15.5
Further details — not scored
Size25 MB8 MB
Age rating4+4+
DeveloperPavel KataykinSerhii Romanko

In-app purchases

None

My Wallets

No in-app purchases

None

Rational Spending

No in-app purchases

Questions

Is My Wallets free?
My Wallets costs $1.99, with no in-app purchases.
Is Rational Spending free?
Rational Spending is free to download, with no in-app purchases.
Do My Wallets or Rational Spending have ads?
Neither My Wallets nor Rational Spending shows ads.
Which is updated more often, My Wallets or Rational Spending?
My Wallets ships an update every 6 months, and Rational Spending every 9 days. Most recently, My Wallets was updated on November 6, 2026 and Rational Spending on October 27, 2026.

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