# My SPS vs NetCost

The clearest difference is review sentiment: NetCost at 100% against My SPS's 6%. NetCost also leads on rating (5.0 vs 2.0) and update cadence (monthly vs every 3 months). My SPS's advantage is ads (none vs shown) and ratings volume (329 vs 5). On price, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

NetCost holds the better App Store score, 5.0 against 2.0. That said, the two scores are not equally well evidenced: My SPS has 329 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 6% of My SPS's written reviews are positive against 100% of NetCost's.

My SPS ships an update every 3 months, NetCost monthly. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | My SPS | NetCost |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (329 ratings)](https://appshunter.io/ios/app/my-sps/id1457561993/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/netcost/id6760630658/reviews)** |
| Number of ratings | **329** | 5 |
| Positive reviews | 6.5% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | **Free** | Ad-supported |
| Size | 31 MB | 6 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Select Portfolio Servicing, Inc.](https://appshunter.io/developer/1457561992) | [Mako Misu TCG LLC](https://appshunter.io/developer/1885415960) |

## What reviewers say

### My SPS

[App page](https://appshunter.io/ios/app/my-sps/id1457561993)

Manage your mortgage account securely and conveniently 24/7. Make payments, set up auto-drafts, view statements, and review escrow details on the go. Access account information and upload documents easily.

**Highlights:** Manage mortgage account 24/7, Make mortgage payments, Set up/modify auto-draft payments, View statements and letters, Review escrow information, Upload documents, Secure login with Touch/Face ID

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

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient for making payments
- 🚀 Works just fine
- 💡 Easy payments

**What reviewers complain about**

- 🐛 Unable to accept terms and conditions
- 🐛 Login issues
- 🐛 App not working
- 🐛 Unable to download documents
- 🐛 Screenshot disabled

**Reported bugs**

- Unable to accept terms and conditions
- Login issues
- App not working
- Unable to download documents
- Screenshot disabled

**Requested features**

- Dark mode option
- Improved document handling
- Better account management features


### NetCost

[App page](https://appshunter.io/ios/app/netcost/id6760630658)

This app helps you track recurring expenses like rent, utilities, and subscriptions. It provides a clear overview of your fixed costs over various time periods without needing bank connections or complex budgeting. Understand your baseline spending and know exactly what your lifestyle costs annually.

**Highlights:** Track recurring expenses, Flexible payment frequencies, Automatic yearly cost calculation, Organize costs into custom sections, Clear cost breakdowns, No account required

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is My SPS free?

My SPS is free to download, with no in-app purchases.

### Is NetCost free?

NetCost is free to download, with no in-app purchases.

### Which has better reviews, My SPS or NetCost?

NetCost is rated higher. My SPS averages 2.0 out of 5 from 329 ratings, while NetCost averages 5.0 from 5 ratings.

### Do My SPS or NetCost have ads?

NetCost shows ads; My SPS does not.

### Which is updated more often, My SPS or NetCost?

My SPS ships an update every 3 months, and NetCost monthly. Most recently, My SPS was updated on October 26, 2026 and NetCost on October 24, 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.*