# OCA Mobile vs 1099 Book Keeper

The clearest difference is in-app purchases: OCA Mobile at none against 1099 Book Keeper's 2. OCA Mobile also leads on ratings volume (1.6K vs 1) and device support (3 vs 1). 1099 Book Keeper's advantage is update cadence (daily vs every 3 months) and rating (5.0 vs 4.6). On price, ads and monetization model there is nothing between them.

Both are free to download. 1099 Book Keeper sells 2 in-app purchases, starting at $4.99 per month. OCA Mobile asks for nothing beyond the download.

1099 Book Keeper holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: OCA Mobile has 1.6K ratings behind it against 1, so its average is the more settled of the two.

OCA Mobile ships an update every 3 months, 1099 Book Keeper daily. The most recent releases landed on October 29, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | OCA Mobile | 1099 Book Keeper |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (1.6K ratings)](https://appshunter.io/ios/app/oca-mobile/id1436709634/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/1099-book-keeper/id6761557529/reviews)** |
| Number of ratings | **1.6K** | 1 |
| Positive reviews | 36.4% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Daily** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 31 MB | 16 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [O.c.a. Benefit Services Limite](https://appshunter.io/developer/1436709633) | [David Ford](https://appshunter.io/developer/1890274273) |

## What reviewers say

### OCA Mobile

[App page](https://appshunter.io/ios/app/oca-mobile/id1436709634)

Manage your consumer-directed healthcare and tax-advantaged benefit accounts from a single mobile application. View balances, transaction history, fund accounts, and manage alerts. Securely access your information with enhanced authentication.

**Highlights:** View account balances and details, Track recent transactions, Fund HSA accounts, Manage email alerts, Contact administrator, View demographic details and dependents, Access card details and PIN

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient claims submission
- 💡 Comprehensive solution for FSA accounts

**What reviewers complain about**

- 🐛 Glitchy and buggy app
- ⏱️ Slow and unresponsive
- 🚫 Unreliable claims processing
- 🤔 Unclear eligibility guidelines
- 🔒 Poor account management and security

**Reported bugs**

- App crashes on newer iPhone models
- Inconsistent account access and functionality
- Incorrect claim status and payment information

**Requested features**

- Improved login and password recovery options
- Ability to check item eligibility before purchase
- Expanded store and payment method support


### 1099 Book Keeper

[App page](https://appshunter.io/ios/app/1099-book-keeper/id6761557529)

Manage your freelance finances with this streamlined app. Track time, mileage, and expenses, and create invoices easily. Designed for side hustlers to stay organized and get paid faster without complex tools.

**Highlights:** Time tracking, Mileage tracking, Expense tracking, Invoice creation, Financial organization, Simplified management

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1099 Book Keeper Pro Monthly | $4.99 | per month |
| 1099 Book Keeper Pro Annual | $49.99 | per year |


## Frequently asked questions

### Is OCA Mobile free?

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

### Is 1099 Book Keeper free?

1099 Book Keeper is free to download, with in-app purchases available.

### Which has better reviews, OCA Mobile or 1099 Book Keeper?

1099 Book Keeper is rated higher. OCA Mobile averages 4.6 out of 5 from 1.6K ratings, while 1099 Book Keeper averages 5.0 from 1 ratings.

### Do OCA Mobile or 1099 Book Keeper have ads?

Neither OCA Mobile nor 1099 Book Keeper shows ads.

### Which is updated more often, OCA Mobile or 1099 Book Keeper?

OCA Mobile ships an update every 3 months, and 1099 Book Keeper daily. Most recently, OCA Mobile was updated on October 29, 2026 and 1099 Book Keeper on October 23, 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.*