Comparison

Spendle vs KERN.

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

Spendle

Features
Read full description

Peace of mind about your money Spendle gives you a clear overview of your income, expenses and budgets. See where your money goes and how much you’re likely to have left at the end of the year. On your computer, tablet and phone. Automatic bank imports Connect your bank account through a secure PSD2 connection. Spendle automatically imports your transactions and balance from supported banks. Import without a bank connection Import transactions using a CSV file from your bank. Spendle supports files from most Dutch and Belgian banks. You can also set up your own import format. Easy categorisation Let Spendle automatically categorise your transactions using rules. Use the existing categories or create a structure that suits you. Stay on top of your budget Set budgets and track how much you’ve spent and how much you have left. Keep a clear overview and adjust your spending when needed. Keep your documents together Store receipts, invoices, contracts and subscriptions alongside your financial records. Easily add a photo or PDF using the share button on your phone or tablet. Insights through charts and reports Explore your finances from different perspectives. Filter, sort and customise reports to suit your needs. On all your devices Use Spendle on your Mac, PC, tablet and phone. Sync your financial records with your Spendle account and pick up where you left off on any device. Spendle also works offline. Privacy and security Your financial records are encrypted using AES-256 and protected with your chosen financial administration password. Spendle contains no ads or tracking. Try Spendle for free Try Spendle free for 14 days. After the trial, an annual subscription is required to continue using Spendle across all your devices. Terms of use: https://www.spendle.nl/eula.html Privacy policy: https://www.spendle.nl/privacy.html

About

KERN.

Features
Read full description

Deze KERN. App biedt eenvoud en gemak in het proces! Met deze App kan je als flexwerker van KERN. o.a. diensten en opdrachten bekijken en accepteren, gewerkte uren registreren, urenstaten en de agenda inzien. De App is gekoppeld aan het systeem waardoor informatie altijd up-to-date is, via een overzichtelijk dashboard. Bovendien komen belangrijke meldingen, als nieuw beschikbare opdrachten, via een push melding binnen op het apparaat. Zo zie je niets over het hoofd. Ook wijzigingen worden direct zichtbaar, ook in de agenda. Je bent dus altijd op de juiste plaats aanwezig. Bovendien kun je direct contact opnemen met KERN. via de Chat binnen deze App. Ideaal als je toch nog ergens vragen over hebt. De App van KERN. is er voor jou, om te zorgen dat jij je werk zo makkelijk mogelijk kan doen!

Screenshots

Spendle4 screens
KERN.4 screens

Verdict

The call

The clearest difference is in-app purchases: KERN. at none against Spendle's 2. Spendle's advantage is update cadence (every 2 weeks vs every 3 months). On price, ads, device support and iOS requirement there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Spendle sells 2 one-off in-app purchases. KERN. asks for nothing beyond the download.

UpkeepUpdate frequency

Spendle ships an update every 2 weeks, KERN. every 3 months. The most recent releases landed on November 6, 2026 and October 31, 2026 respectively.

Scorecard2 real differences Β· 4 level
Spendle versus KERN.: the parameters behind the verdict, then further details
ParameterSpendleKERN.
PriceFreeFree
Update frequencyEvery 2 weeks β€” betterEvery 3 months
AdsNoNo
In-app purchasesYesNo β€” better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.014 β€” better
Further details β€” not scored
Size35 MB7 MB
Age rating4+4+
DeveloperJochem SoberingBendy B.V.

In-app purchases

2 purchases

Spendle

One-time2
  • Spendle 1 Year$17.99
  • Spendle 1 Year$19.00
None

KERN.

No in-app purchases

Questions

Is Spendle free?
Spendle is free to download, with in-app purchases available.
Is KERN. free?
KERN. is free to download, with no in-app purchases.
Do Spendle or KERN. have ads?
Neither Spendle nor KERN. shows ads.
Which is updated more often, Spendle or KERN.?
Spendle ships an update every 2 weeks, and KERN. every 3 months. Most recently, Spendle was updated on November 6, 2026 and KERN. on October 31, 2026.

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