# Gem vs Divvi

The clearest difference is price: Divvi at Free against Gem's $0.49. Divvi also leads on iOS requirement (17.0 vs 26.0). Gem's advantage is ads (none vs shown) and chart position (#74 vs unranked). On update cadence, in-app purchases and device support there is nothing between them.

Divvi is free to download; Gem costs $0.49 up front. Gem sells 3 one-off in-app purchases and Divvi sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Gem ships an update every 4 weeks, Divvi fortnightly. The most recent releases landed on November 3, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | Gem | Divvi |
| --- | --- | --- |
| Price | $0.49 | **Free** |
| 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 | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 4 weeks | **Fortnightly** |
| Monetization | Paid | — |
| Best chart rank | **#74** | — |
| Size | 46 MB | 28 MB |
| Requires iOS | 26.0 | **17.0** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Oz Pinhas](https://appshunter.io/developer/1437054262) | [Rahul M](https://appshunter.io/developer/6785391925) |

## What reviewers say

### Gem

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

**Currently charting:** #74 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 |


### Divvi

[App page](https://appshunter.io/ios/app/divvi-quick-split/id6804265088)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Divvi Pro | $19.99 | one-time |


## Frequently asked questions

### Is Gem free?

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

### Is Divvi free?

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

### Do Gem or Divvi have ads?

Divvi shows ads; Gem does not.

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

Gem ships an update every 4 weeks, and Divvi fortnightly. Most recently, Gem was updated on November 3, 2026 and Divvi on November 1, 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.*