SpenDebt vs AppliedLMS For Achilles
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SpenDebt
This app automates debt and bill repayment by rounding up everyday transactions and contributing the difference towards your balance. It helps build financial discipline and improve your financial health through consistent, on-time payments.
- Automated debt repayment
- Micropayments from transactions
- Builds financial discipline
- Improves financial health
- On-time payment tracking
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Small payments can make real progress. SpenDebt helps you make progress on what you owe with Everyday Micropayments. You choose a small amount that works for you. As you go about your everyday life and spend money, SpenDebt uses your activity to help you build small payments toward the account you choose. YOU’RE IN CONTROL • Choose your Everyday Micropayment amount • Connect your bank securely • Choose the account you want to make progress on • Set a monthly limit that works for your budget • Track your payments and progress in one place No round-ups. You choose the amount. Whether you're working on a credit card, student loan, auto loan, or another eligible account, SpenDebt helps turn something you're already doing—spending—into an opportunity to keep moving forward. You don't have to change your whole life to start making progress. Small payments. Real progress. Everyday Micropayments. Measurable Progress.
AppliedLMS For Achilles
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Applied-AI is the software company behind the loan management platform Applied-LMS. The app allows users to view their current loans and balances. The app doesn't provide loans, nor can it send or receive money. It facilitates the connection between Applied-LMS and the end user via mobile instead of desktop. The customer can send an application for a loan through the mobile app but will not receive any money through it. The desktop application communicates with the customer.
Screenshots
Verdict
The clearest difference is update cadence: AppliedLMS For Achilles at every 4 months against SpenDebt's every 13 months. AppliedLMS For Achilles also leads on iOS requirement (12.4 vs 15.0). On price, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
SpenDebt ships an update every 13 months, AppliedLMS For Achilles every 4 months. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.
| Parameter | SpenDebt | AppliedLMS For Achilles |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (8 ratings) — better | — |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 8 — better | — |
| Update frequency | Every 13 months | Every 4 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 12.4 — better |
| Further details — not scored | ||
| Size | 26 MB | 16 MB |
| Age rating | 4+ | 17+ |
| Developer | SPENDEBT, INC | 13441911 Canada Inc |
In-app purchases
SpenDebt
No in-app purchases
AppliedLMS For Achilles
No in-app purchases
Questions
Is SpenDebt free?
Is AppliedLMS For Achilles free?
Do SpenDebt or AppliedLMS For Achilles have ads?
Which is updated more often, SpenDebt or AppliedLMS For Achilles?
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