Money vs Ruby Stone
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Money
This app is a comprehensive tool for managing your personal finances. It allows you to track expenses, create budgets, monitor investments, and gain a clear overview of your financial health. Stay organized and in control of your money with smart features and detailed reports.
- Smart budgeting with real-time tracking
- Automatic expense categorization
- Complete financial overview dashboard
- Investment performance monitoring
- Detailed financial reports with charts
- iCloud sync and biometric security
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Money 9.0 is a major update to our award-winning personal finance app, fully embracing Apple's most significant design evolution since iOS 7 - Liquid Glass. App UI has been updated for iOS 26, iPadOS 26, and macOS Tahoe 26, with Swift powering key parts of the app for better performance and tighter integration with Apple's latest platforms. Controls, navigation bars, and sidebars adopt Liquid Glass - the translucent material that refracts content, responds to light and motion, and keeps your financial data front and center. WHAT'S NEW IN 9.0 - Liquid Glass UI across all controls, tab bars, and sidebars - Swift-powered components for improved performance and platform integration - Faster performance and smoother animations - Effortless navigation with fewer taps to budgets, transactions, and reports - Unified experience on iPhone, iPad, and Mac - Updated typography, capsule controls, and full Dark Mode support PERSONAL FINANCE & MONEY MANAGEMENT Take control of your personal finance with Money - the comprehensive money manager that tracks every dollar, every account, and every financial goal. Budget your spending, track your expenses, manage your bills, and grow your savings - all in one beautifully designed app. BUDGET PLANNER & SPENDING TRACKER Create flexible budgets for every category - groceries, dining, transportation, housing, utilities, subscriptions. Track monthly budget vs actual spending with smart alerts. EXPENSE TRACKER & TRANSACTION CATEGORIZATION Log expenses in seconds with auto-categorization - food, shopping, travel, bills, healthcare. Add notes, attach receipts, split transactions, track recurring expenses. BILL REMINDER & RECURRING PAYMENT MANAGER Never miss a bill. Tracks rent, mortgage, utilities, subscriptions, credit cards, insurance, loans. Notifications before bills are due. SAVINGS GOAL TRACKER Set savings goals - emergency fund, vacation, home, retirement, wedding, education. Track progress with visual indicators. INVESTMENT PORTFOLIO TRACKER Track stocks, ETFs, mutual funds. Real-time performance, dividends, gains, and asset allocation across all brokerages and retirement accounts. CRYPTO PORTFOLIO TRACKING Track Bitcoin, Ethereum, and other crypto holdings alongside traditional investments. Monitor prices, portfolio value, and gains. NET WORTH TRACKER Watch net worth grow over time. Calculates total assets minus liabilities - bank accounts, investments, real estate, debts, mortgages. BANK SYNC & OPEN BANKING Connect to thousands of banks with secure bank sync. Auto-import transactions. Real-time balance updates for checking, savings, credit cards, loans. REPORTS & INSIGHTS Detailed reports - income vs expense, category breakdowns, monthly comparisons, cash flow charts, and forecasts. MULTI-CURRENCY SUPPORT Money supports multi-currency tracking with automatic exchange rate updates. Manage USD, EUR, GBP, JPY, and dozens more. PRIVACY & SECURITY Your financial data is yours alone. Local storage with optional iCloud sync. Face ID and Touch ID protect access. No tracking, no ads. WORKS EVERYWHERE iPhone, iPad, Mac, and Apple Watch - seamlessly synced via iCloud. ONE-TIME PURCHASE - no subscriptions, no recurring fees. Pay once, own forever. Money has helped people manage their finances for over 20 years. Version 9.0 is our biggest leap yet.
Ruby Stone
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Pricing too low is one of the most common and costly mistakes small businesses and freelancers make, and it usually happens not from carelessness but from genuine uncertainty about what the real number should be. This app removes that uncertainty by giving you a fast, reliable way to calculate profit margins, markups, and break-even points from actual cost data. Enter the cost, decide what margin you need, and the app tells you the price.
Screenshots
Verdict
The clearest difference is in-app purchases: Ruby Stone at none against Money's 3. Money's advantage is ads (none vs shown) and device support (4 vs 2). On price and iOS requirement 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
Both are free to download. Money sells 3 in-app purchases, starting at $6.99 per month. Ruby Stone asks for nothing beyond the download.
| Parameter | Money | Ruby Stone |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (449 ratings) — better | — |
| Positive reviews | 53.3% of reviews | — |
| Number of ratings | 449 — better | — |
| Update frequency | Monthly | — |
| Ads | No — better | Yes |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | — |
| Devices | iPhone, iPad, iPod, Mac — better | iPhone, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 55 MB | 15 MB |
| Age rating | 4+ | 4+ |
| Developer | Jumsoft | Eduardo Juarez Labrada |
Bugs and requests
Money
Reported bugs
3 issues- Frequent app crashes
- Incorrect transaction import and balance issues
- Syncing problems between devices
Requested features
4 requests- Dark mode option
- Improved transaction categorization and rules
- Ability to share accounts with family members
- Better investment tracking and portfolio management
Ruby Stone
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Money
- Direct Downloads Monthly1 Month trial$6.991 Month
- Direct Downloads Yearly1 Month trial$59.991 Year
- Money Standard$199.99
Ruby Stone
No in-app purchases









