# Gem vs Outlays

The clearest difference is in-app purchases: Outlays at none against Gem's 3. Outlays also leads on iOS requirement (17.0 vs 26.0). Gem's advantage is update cadence (every 4 weeks vs every 18 months) and chart position (#48 vs unranked). On price, ads and device support there is nothing between them.

Gem costs $0.49 and Outlays $0.99 up front. Gem sells 3 one-off in-app purchases. Outlays asks for nothing beyond the download.

Gem ships an update every 4 weeks, Outlays every 18 months. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Gem | Outlays |
| --- | --- | --- |
| Price | **$0.49** | $0.99 |
| Rating | **[4.8 (89 ratings)](https://appshunter.io/ios/app/gem-money-tracker/id1437054263/reviews)** | — |
| Number of ratings | **89** | — |
| Positive reviews | 87.9% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 4 weeks** | Every 18 months |
| Monetization | Paid | — |
| Best chart rank | **#48** | — |
| Size | 46 MB | 53 MB |
| Requires iOS | 26.0 | **17.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 17+ |
| Developer | [Oz Pinhas](https://appshunter.io/developer/1437054262) | [seventh software](https://appshunter.io/developer/1684049648) |

## What reviewers say

### Gem

[App page](https://appshunter.io/ios/app/gem-money-tracker/id1437054263)

**Currently charting:** #48 Top Paid · Finance (US App Store)

Track your spending, manage budgets, and organize finances with this intuitive money management tool. Set up recurring bills, savings goals, and sync with Apple Pay for instant expense logging. Offers extensive customization and daily backups.

**Highlights:** Budgeting (daily, weekly, monthly, yearly), Expense tracking by category, tag, or wallet, Bill management with recurring payments, Savings goals and income tracking, Apple Pay sync for instant logging, Customizable categories and themes, CSV import and export

**Features:** Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Thanks tip | $0.99 | one-time |
| Amazing tip | $2.99 | one-time |
| Spectacular tip | $4.99 | one-time |


### Outlays

[App page](https://appshunter.io/ios/app/outlays/id6473765263)

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

**In-app purchases:** none


## Frequently asked questions

### Is Gem free?

Gem costs $0.49, and also offers in-app purchases.

### Is Outlays free?

Outlays costs $0.99, with no in-app purchases.

### Do Gem or Outlays have ads?

Neither Gem nor Outlays shows ads.

### Which is updated more often, Gem or Outlays?

Gem ships an update every 4 weeks, and Outlays every 18 months. Most recently, Gem was updated on November 3, 2026 and Outlays on November 4, 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.*