# SpenDebt vs Primerica Shareholder Services

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.

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

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.

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.

## The numbers

| Metric | SpenDebt | Primerica Shareholder Services |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (8 ratings)](https://appshunter.io/ios/app/spendebt/id1422084789/reviews)** | [4.3 (45 ratings)](https://appshunter.io/ios/app/primerica-shareholder-services/id6498928023/reviews) |
| Number of ratings | 8 | **45** |
| Positive reviews | **50.0% of reviews** | 44.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 13 months | **Every 6 weeks** |
| Monetization | Free | Free |
| Size | 26 MB | 54 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [SPENDEBT, INC](https://appshunter.io/developer/1422084788) | [The Bank of New York Mellon Corporation](https://appshunter.io/developer/420188109) |

## What reviewers say

### SpenDebt

[App page](https://appshunter.io/ios/app/spendebt/id1422084789)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Primerica Shareholder Services

[App page](https://appshunter.io/ios/app/primerica-shareholder-services/id6498928023)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*