# FinLocker vs Palmo

The clearest difference is rating: Palmo at 5.0 against FinLocker's 3.9. FinLocker's advantage is in-app purchases (none vs 3) and update cadence (monthly vs every 2 months). On price, ads and device support there is nothing between them.

Both are free to download. Palmo sells 3 in-app purchases, starting at $3.99 per month. FinLocker asks for nothing beyond the download.

Palmo holds the better App Store score, 5.0 against 3.9. That said, the two scores are not equally well evidenced: FinLocker has 19 ratings behind it against 2, so its average is the more settled of the two.

FinLocker ships an update monthly, Palmo every 2 months. The most recent releases landed on October 24, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | FinLocker | Palmo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (19 ratings)](https://appshunter.io/ios/app/finlocker/id1435921445/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/palmo-paycheck-budget-tracker/id6443496808/reviews)** |
| Number of ratings | **19** | 2 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Ad-supported | **Free** |
| Size | 114 MB | 14 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 12+ | 4+ |
| Developer | [Finlocker LLC](https://appshunter.io/developer/1357188723) | [JLApp LLC](https://appshunter.io/developer/1071114569) |

## What reviewers say

### FinLocker

[App page](https://appshunter.io/ios/app/finlocker/id1435921445)

This app helps you manage your finances, get mortgage-ready, and search for homes. It organizes account balances, transactions, credit scores, and spending analysis in one place. You can also track your budget and access personal finance articles and videos.

**Highlights:** Financial dashboard, Budget tracking and alerts, Free credit score and report, Mortgage readiness assessment, Real estate property search, Secure data sharing

**Features:** Vision Pro support

**In-app purchases:** none


### Palmo

[App page](https://appshunter.io/ios/app/palmo-paycheck-budget-tracker/id6443496808)

Manage your money effortlessly with this comprehensive finance app. Track spending, bills, and transactions all in one place. Designed for ease of use, it's perfect for beginners and experienced budgeters alike to achieve financial goals.

**Highlights:** Consolidate financial information, Track spending habits, Manage bills and payments, Monitor transactions, User-friendly interface

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Palmo Pro — Monthly | $3.99 | per month |
| Palmo Pro — Annual | $24.99 | per year |
| Palmo Pro — Lifetime | $39.99 | one-time |


## Frequently asked questions

### Is FinLocker free?

FinLocker is free to download, with no in-app purchases.

### Is Palmo free?

Palmo is free to download, with in-app purchases available.

### Which has better reviews, FinLocker or Palmo?

Palmo is rated higher. FinLocker averages 3.9 out of 5 from 19 ratings, while Palmo averages 5.0 from 2 ratings.

### Do FinLocker or Palmo have ads?

Neither FinLocker nor Palmo shows ads.

### Which is updated more often, FinLocker or Palmo?

FinLocker ships an update monthly, and Palmo every 2 months. Most recently, FinLocker was updated on October 24, 2026 and Palmo on October 9, 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.*