Comparison

SpenDebt vs Primerica Shareholder Services

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

Head to head
About

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.

Highlights
  • Automated debt repayment
  • Micropayments from transactions
  • Builds financial discipline
  • Improves financial health
  • On-time payment tracking
Features
Read full description

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.

About

Primerica Shareholder Services

Manage your mutual fund investments with ease. View balances, complete transactions, and track your financial history. Offers solutions for investors at all life stages to help achieve financial goals.

Highlights
  • View current and historical balances
  • Complete investment transactions
  • View transaction history
  • Access account information
  • Investment solutions for all stages of life
Features
Read full description

You can trust Primerica to handle your mutual fund investments. We value your confidence in us, and we’re here to make investing simple. On this app, you can view current and historical balances, complete transactions, and view your transaction history online. No matter your stage of life, Primerica has a solution to help you achieve your financial goals. We offer investment products specifically selected to meet the needs of every kind of investor — from the new investor to the retiree. As you know, contributing to an investment program can be one of the most powerful decisions you’ll ever make in life, so access to your account information should be simple, too!

Screenshots

SpenDebt4 screens
Primerica Shareholder Services4 screens

Verdict

The call

The clearest difference is update cadence: Primerica Shareholder Services at every 6 weeks against SpenDebt's every 13 months. Primerica Shareholder Services also leads on ratings volume (45 vs 8) and iOS requirement (13.0 vs 15.0). SpenDebt's advantage is rating (4.6 vs 4.3). On price, review sentiment, ads and in-app purchases 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

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

SpenDebt holds the better App Store score, 4.6 against 4.3. That said, the two scores are not equally well evidenced: Primerica Shareholder Services has 45 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 50% of SpenDebt's written reviews are positive against 44% of Primerica Shareholder Services's.

UpkeepUpdate frequency

SpenDebt ships an update every 13 months, Primerica Shareholder Services every 6 weeks. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

Scorecard4 real differences · 6 level
SpenDebt versus Primerica Shareholder Services: the parameters behind the verdict, then further details
ParameterSpenDebtPrimerica Shareholder Services
PriceFreeFree
Rating4.6 (8 ratings) — better4.3 (45 ratings)
Positive reviews50.0% of reviews — better44.4% of reviews
Number of ratings845 — better
Update frequencyEvery 13 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size26 MB54 MB
Age rating4+17+
DeveloperSPENDEBT, INCThe Bank of New York Mellon Corporation

Customer experience

SpenDebt

All ratings8 ratings
Positive87.5%
Neutral0.0%
Negative12.5%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Primerica Shareholder Services

All ratings45 ratings
Positive82.2%
Neutral2.2%
Negative15.6%
Written reviews9 reviews
Positive44.4%
Neutral22.2%
Negative33.3%

In-app purchases

None

SpenDebt

No in-app purchases

None

Primerica Shareholder Services

No in-app purchases

Questions

Is SpenDebt free?
SpenDebt is free to download, with no in-app purchases.
Is Primerica Shareholder Services free?
Primerica Shareholder Services is free to download, with no in-app purchases.
Which has better reviews, SpenDebt or Primerica Shareholder Services?
SpenDebt is rated higher. SpenDebt averages 4.6 out of 5 from 8 ratings, while Primerica Shareholder Services averages 4.3 from 45 ratings.
Do SpenDebt or Primerica Shareholder Services have ads?
Neither SpenDebt nor Primerica Shareholder Services shows ads.
Which is updated more often, SpenDebt or Primerica Shareholder Services?
SpenDebt ships an update every 13 months, and Primerica Shareholder Services every 6 weeks. Most recently, SpenDebt was updated on October 24, 2026 and Primerica Shareholder Services on October 30, 2026.

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