# Ипотека и Кредиты vs Wasted

The clearest difference is review sentiment: Wasted at 86% against Ипотека и Кредиты's 0%. Wasted also leads on price (Free vs $0.99) and rating (4.2 vs 2.0). Ипотека и Кредиты's advantage is iOS requirement (14.0 vs 17.0). On ads, in-app purchases and device support there is nothing between them.

Wasted is free to download; Ипотека и Кредиты costs $0.99 up front. Ипотека и Кредиты sells 4 in-app purchases, starting at $0.49 per month and Wasted sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Wasted holds the better App Store score, 4.2 against 2.0. That said, the two scores are not equally well evidenced: Wasted has 5 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 0% of Ипотека и Кредиты's written reviews are positive against 86% of Wasted's.

Ипотека и Кредиты ships an update every 2 months, Wasted every 10 days. The most recent releases landed on November 6, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | Ипотека и Кредиты | Wasted |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Rating | [2.0 (1 ratings)](https://appshunter.io/ios/app/id1471529121/reviews) | **[4.2 (5 ratings)](https://appshunter.io/ios/app/wasted-budget-tracker/id6752341613/reviews)** |
| Number of ratings | 1 | **5** |
| Positive reviews | 0.0% of reviews | **85.7% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 10 days** |
| Monetization | Paid | **Free** |
| Size | 72 MB | 35 MB |
| Requires iOS | **14.0** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [CleverPumpkin Ltd.](https://appshunter.io/developer/826318670) | [Dzmitry Branchuk](https://appshunter.io/developer/1838951771) |

## What reviewers say

### Ипотека и Кредиты

[App page](https://appshunter.io/ios/app/id1471529121)

Calculate loan and mortgage payments, track existing debts, and receive payment reminders. Securely store your financial data with biometric authentication.

**Highlights:** Loan and mortgage payment calculator, Calculate total overpayment, Track existing loans and mortgages, Payment schedule monitoring, Payment due date notifications, Secure data synchronization, Biometric authentication support

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium на месяц | $0.49 | per month |
| Premium на месяц | $1.99 | per month |
| Premium Год | $7.49 | per year |
| Premium Год | $14.99 | per year |


### Wasted

[App page](https://appshunter.io/ios/app/wasted-budget-tracker/id6752341613)

This app helps you manage your money with intuitive category-based spending tracking. View detailed analytics through interactive charts and graphs to understand your spending patterns over time. Customize categories with icons and colors for personalized financial management.

**Highlights:** Category-based spending management, Real-time balance tracking, Customizable themes and categories, Detailed expense comments, Interactive spending analytics, Advanced filtering and search

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium | $3.99 | per month |
| Yearly Premium | $19.99 | per year |
| Lifetime Premium | $28.99 | one-time |


## Frequently asked questions

### Is Ипотека и Кредиты free?

Ипотека и Кредиты costs $0.99, and also offers in-app purchases.

### Is Wasted free?

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

### Which has better reviews, Ипотека и Кредиты or Wasted?

Wasted is rated higher. Ипотека и Кредиты averages 2.0 out of 5 from 1 ratings, while Wasted averages 4.2 from 5 ratings.

### Do Ипотека и Кредиты or Wasted have ads?

Neither Ипотека и Кредиты nor Wasted shows ads.

### Which is updated more often, Ипотека и Кредиты or Wasted?

Ипотека и Кредиты ships an update every 2 months, and Wasted every 10 days. Most recently, Ипотека и Кредиты was updated on November 6, 2026 and Wasted on November 8, 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.*