Gem vs Mr.Fin
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Gem
Track your spending, manage budgets, and organize your finances with this comprehensive money management tool. It offers detailed budgeting options, expense organization by category, and bill tracking. Automate entries with Apple Pay and import/export data for a complete financial overview.
- Budgeting (daily, weekly, monthly, yearly)
- Expense organization by category
- Bill tracking and reminders
- Savings goals and income tracking
- Apple Pay integration for instant recording
- CSV import/export
- Customizable categories with icons
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Log expenses and stay on budget. No subscription. In-app purchases are tips :) BUDGET - Daily, weekly, monthly and yearly - Average & daily spending, breakdown by category - Compare against same day last month - Rearrange your budgets, and other lists - Explore your costs and salary over time ORGANIZE - By category, budget, wallet, account, tag… - Customize category colors & icons (500+ from Apple) - Favorite accounts, custom sorting, merge categories - Add attachments and receipts BILLS - Repeat: day, week, month, year - View paid & upcoming subscriptions MONEY TOOLS - Savings goals, income, transfers, balance - Multiple currencies, exchange rates - Calculator & journal view WALLET SYNC & AUTOMATIONS - Instant recording when paying in store with Apple Pay (requires setup) - Auto-organize expensesbased on merchant names - App shortcuts and “Send to Gem” in share sheet - Import CSV files, sub-categories, notes. Import into specific wallet. Skip duplicates when importing - Export everything MORE - Customize the way your create entries - Widgets. Lock Screen shortcut - Daily iCloud backup - Daily reminders - Custom main screen, list layouts, app menu and theme - Insights in search results PREVIEW FEATURES May not work as expected :) - Type “Rent” → it’s categorized in “Household” - Detect receipt prices from attachments Need help? Have a suggestion? Email me at human@shelftwo.com. Terms & privacy: shelftwo.com/gem/terms
Mr.Fin
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Mr Fin: Smart, Structured Expense Tracking Track expenses the way they actually happen: one transaction, multiple realities. Mr Fin is a modern finance tracking app built around a transaction-first model, giving you complete flexibility to split a single expense across categories, payment accounts, and payees without losing clarity. Whether you are managing daily spending, shared bills, subscriptions, or complex purchases, Mr Fin adapts to real-world financial behaviour, not rigid assumptions. Why Mr Fin? Most expense apps force you into one-category, one-payment entries. Real life is not that simple. Mr Fin lets you: - Split one transaction into multiple categories - Pay using multiple accounts or wallets - Assign multiple payees to a single transaction - Maintain accurate totals without duplicate entries - Match payment history with bank statements Everything stays connected, auditable, and easy to understand. Designed for Clarity Transaction-Centric Design Every expense starts with a single transaction: - Title - Total amount - Date and time - Notes and attachments (receipts, invoices) From there, you break it down only if needed. Multi-Category Support Split one expense across multiple categories: - Groceries, Dining, Utilities, Travel - Each category can have its own amount - Optional item-level breakdowns inside categories - Perfect for supermarket bills, mixed purchases, or work expenses. Multi-Payment Handling Paid using more than one method? No problem. - Split payments across cash, cards, wallets, or bank accounts - Maintain accurate account balances automatically Built for Control and Accuracy - Clean, minimal UI focused on data clarity - No forced categories or assumptions - Designed for scalability, from personal use to advanced finance tracking Who Is This App For? - Power users who want accurate financial data - Anyone who wants structure without complexity Take control of your finances the right way. Privacy Policy: https://mrfin.in/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is price: Mr.Fin at Free against Gem's $0.49. Mr.Fin also leads on iOS requirement (15.6 vs 26.0). Gem's advantage is chart position (#157 vs unranked). On update cadence, ads, in-app purchases and device support 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
Mr.Fin is free to download; Gem costs $0.49 up front. Gem sells 4 one-off in-app purchases and Mr.Fin sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.
Gem ships an update every 4 weeks, Mr.Fin every 3 weeks. The most recent releases landed on October 29, 2026 and October 28, 2026 respectively.
| Parameter | Gem | Mr.Fin |
|---|---|---|
| Price | $0.49 | Free — better |
| Rating | 4.8 (89 ratings) — better | — |
| Positive reviews | 87.9% of reviews | — |
| Number of ratings | 89 — better | — |
| Update frequency | Every 4 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Best chart rank | #157 — better | — |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 26.0 | 15.6 — better |
| Further details — not scored | ||
| Size | 46 MB | 73 MB |
| Age rating | 4+ | 4+ |
| Developer | Oz Pinhas | Suhaibe Kalathil |
In-app purchases
Gem
- Gem PowerpackFree
- Thanks tip$0.99
- Amazing tip$2.99
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- Spectacular tip$4.99
Mr.Fin
- Monthly7 Days trial$4.991 Month
- Yearly14 Days trial$49.991 Year
- Pro Lifetime$14.99









