Gera Wealth vs SpendCheck
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Gera Wealth
Manage your complete financial portfolio, including mutual funds, stocks, bonds, and insurance. Track historical performance, download statements, and access investment tools like calculators for retirement and SIPs.
- Complete portfolio reporting
- Historical performance tracking
- Transaction statement download
- Online mutual fund investment
- SIP and STP tracking
- Insurance premium reminders
- Financial calculators
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Gera Wealth is one-stop shopping for all your Financial needs. You can use this state of the art app to stay on top of your Complete Financial Portfolio with all assets: - Mutual Funds - Equity Shares - Bonds - Fixed Deposits - PMS - Insurance Key Features: - Complete Portfolio report download including all assets. - View historical Performace of your Portfolio easily - Easy login via your Google email id. - Transaction statement of any period - 1 Click Statement of Account Download for any Asset Management Company in India - Advanced Capital Gain Reports - Invest Online in any Mutual fund scheme or New Fund Offer. Track all orders till the allotment of units to keep complete transparency - SIP Report to be informed of your Running and Upcoming SIPs, STPs. - Insurance list to keep track of premiums to be paid. - Folio details registered with each AMC. Calculators and Tools available: - Retirement Calculator - SIP Calculator - SIP Delay Calculator - SIP Step up Calculator - Marriage Calculator - EMI Calculator
SpendCheck
Track your spending privately and simply. Log expenses, refunds, and investments with fast entry, receipt scanning, and smart categorization. All data stays on your device with no accounts or ads.
- Fast expense entry
- Track expenses, refunds, and investments
- Searchable receipt photos
- Smart category suggestions
- Automatic recurring expenses
- Clear spending summaries and charts
- CSV export for backups
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SpendCheck is the expense tracker for people who just want to see where their money goes — without accounts, ads, subscriptions, or a single byte leaving their phone unless they choose otherwise. Everything you log lives only on your device by default. There's no sign-up, no ads, and no analytics — and no company, including us, that can see your spending. You can explicitly turn on encrypted backup to your own cloud storage. Open the app and start tracking in seconds. WHY YOU'LL LIKE IT • Fast entry — A bank-app-style keypad lets you punch in an amount and save an expense in a couple of taps. No fiddly decimal typing. • Expenses, refunds, and investments — Track money going out, money coming back, and money you've moved into brokerage or crypto platforms. Investments are kept separate so they never inflate what you "spent." • Receipt photos, made searchable — Scan a receipt with an auto-detecting document scanner (multi-page in one go), crop it anytime, and search for anything printed on it later, even if you never typed it in. All text recognition happens right on your device. • Encrypted Backup & Restore — Back up your expenses and receipts to your own cloud storage — iCloud by default, or anywhere you choose — protected by a passphrase only you know. Nobody but you, not even SpendCheck, can read it. Fully optional, and off by default. • Recently Deleted — Delete something by mistake? It's recoverable for 14 days, not gone the moment you swipe. • Smart categories — As you type a business name, SpendCheck pre-fills the category you last used there. Less thinking, faster logging. • Recurring expenses — Mark something as weekly, monthly, or annual and it logs itself automatically — perfect for subscriptions, rent, and yearly renewals. • Clear summaries — See what you spent this week and this month, a breakdown by business and by category, and a simple chart — all for any month you pick. • Export anytime — Send a clean CSV of your full history to Files, Numbers, Excel, or Google Sheets whenever you want a backup. • Make it yours — Pick an accent color to match your style. PRIVATE BY DESIGN SpendCheck stores everything locally using Apple's on-device database. There is no server, no login, and no tracking. Your financial life is nobody's business but yours. If you ever turn on Backup & Restore, that backup is encrypted on your device before it ever leaves it — your passphrase, your cloud storage, and no way for anyone (including us) to read it without that passphrase. FREE SpendCheck is free to use. No ads, no data selling, no catch. Questions or feedback? Reach us in one tap from Settings → Send Feedback, or through the contact link on our website.
Screenshots
Verdict
The clearest difference is update cadence: SpendCheck at every 2 weeks against Gera Wealth's every 3 months. SpendCheck also leads on ratings volume (6 vs 1). Gera Wealth's advantage is rating (5.0 vs 4.7). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.
Gera Wealth holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: SpendCheck has 6 ratings behind it against 1, so its average is the more settled of the two.
Gera Wealth ships an update every 3 months, SpendCheck every 2 weeks. The most recent releases landed on October 7, 2026 and October 6, 2026 respectively.
| Parameter | Gera Wealth | SpendCheck |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.7 (6 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 1 | 6 — better |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 87 MB | 2 MB |
| Age rating | 4+ | 4+ |
| Developer | Gera Wealth Private limited | MANIKANDAN CHELLAPPAN NADAR |
Customer experience
Gera Wealth
SpendCheck
In-app purchases
Gera Wealth
No in-app purchases
SpendCheck
No in-app purchases









