Spentra vs StipenRx
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spentra
Access earned wages early and manage your pay with a dedicated payroll card. This solution offers instant access to a portion of your net wages before your payday, improving financial stability. Take control of your finances with features like card management, transaction alerts, and surcharge-free ATM access.
- Early access to earned wages
- Manage payroll card
- Instant transaction alerts
- Block/unblock card
- Surcharge-free ATM finder
- No card or maintenance fees
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A complete pay access solution designed to improve financial stability. Get early access to earned wages anytime, anywhere. Money Earned® from Spentra is an employer-sponsored benefit. It was designed from the ground up to provide employees with a better option to get and manage their pay. Money Earned® is our proprietary patented product that allows you instant access to up to 50% of your already earned net wages in advance of your paycheck date. Your money is sent directly to your own debit card or bank account. If your employer already offers Spentra, just download the app, link your debit card or bank account, and begin to manage the money you know you have. If your employer does not currently offer Spentra, just have them contact us at info@spentra.com and we will be glad to make that happen. Take control of your money and align what matters to you…today. MANAGE YOUR PAY FROM THE SPENTRA APP Enroll in minutes directly from the app Link your own debit card and bank account Choose how you receive your money: to your debit card or to your bank account See your available earned wages anytime Review your transfer history in the app Friendly and responsive customer support Our patented benefit, Money Earned® *Standard message and data rates from your wireless service provider may apply. The Money Earned® service is provided by Spentra, LLC. See the app for terms and any applicable fees.
StipenRx
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Travel nursing and allied health work comes with unique financial complexity. StipenRx is the only app built specifically for travel nurses, respiratory therapists, physical therapists, Allied Health to track the IRS 1-year rule, manage stipend documentation, and estimate take-home pay all in one place. Stay Compliant. Keep More of Your Money. The IRS 1-year rule is one of the most important — and most misunderstood — rules for travel healthcare workers. StipenRx helps you track every contract assignment so you always know exactly where you stand, reducing audit risk and helping you maintain your tax-free stipend eligibility. Key Features: • IRS 1-Year Rule Tracker: Monitor assignment dates and locations to stay compliant with IRS guidelines for tax-free stipends. • Contract & Assignment Logging: Easily log and manage all your travel contracts in one organized place. • Pay Estimator: Understand your true take-home pay before signing a contract. Compare assignments and see the full picture. • Stipend Documentation: Keep records organized and ready in case you ever need to substantiate your tax-free housing and meal stipends. • CPA-Ready PDF Exports (Pro): Generate clean, professional reports your accountant will love. Save time and money at tax season. • Unlimited Contracts (Pro): Track every assignment without limits. Get started for free with core tracking features. Upgrade to Pro for unlimited contracts and CPA-ready PDF exports — everything you need for a full tax season. Built for the Travel Healthcare Community Whether you're a travel RN, RT, PT, OT, or any other healthcare traveler, StipenRx was designed with your lifestyle in mind. Finally, a financial tool that speaks your language. Download StipenRx today and take the stress out of travel healthcare taxes. Privacy Policy: https://guydevz.github.io/StipenRx/privacy.html Terms of Use (EULA): https://guydevz.github.io/StipenRx/terms.html Support: https://guydevz.github.io/StipenRx/support.html
Screenshots
Verdict
The clearest difference is in-app purchases: Spentra at none against StipenRx's 3. Spentra also leads on device support and iOS requirement (15.0 vs 17.0). On price 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
Both are free to download. StipenRx sells 3 in-app purchases, starting at $1.99 per 7 days. Spentra asks for nothing beyond the download.
| Parameter | Spentra | StipenRx |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (943 ratings) — better | — |
| Positive reviews | 79.2% of reviews | — |
| Number of ratings | 943 — better | — |
| Update frequency | Every 6 weeks | — |
| Ads | No | — |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPod — better | — |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 48 MB | 5 MB |
| Age rating | 17+ | 4+ |
| Developer | Spentra, LLC | Guy fin Llc |
Bugs and requests
Spentra
Reported bugs
2 issues- App not updating since July 3rd
- Card never showed up
Requested features
2 requests- Card to account transfer feature
- Surcharge-free ATM access
StipenRx
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Spentra
No in-app purchases
StipenRx
- StipenRx Premium Weekly$1.997 Days
- StipenRx Premium Monthly$6.991 Month
- StipenRx Premium Yearly$49.991 Year









