# Fonepay App vs Kharcha Book

The clearest difference is review sentiment: Kharcha Book at 82% against Fonepay App's 15%. Kharcha Book also leads on rating (4.5 vs 2.0) and update cadence (every 3 weeks vs every 2 months). Fonepay App's advantage is in-app purchases (none vs 4) and ads (none vs shown). On price, ratings volume, device support and iOS requirement there is nothing between them.

Both are free to download. Kharcha Book sells 4 in-app purchases, starting at $0.99 per month. Fonepay App asks for nothing beyond the download.

Kharcha Book holds the better App Store score, 4.5 against 2.0. Both are backed by a comparable volume of ratings — 44 and 61 respectively. Written reviews point the same way: 15% of Fonepay App's written reviews are positive against 82% of Kharcha Book's.

Fonepay App ships an update every 2 months, Kharcha Book every 3 weeks. The most recent releases landed on October 25, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | Fonepay App | Kharcha Book |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (44 ratings)](https://appshunter.io/ios/app/fonepay-app/id1478083267/reviews) | **[4.5 (61 ratings)](https://appshunter.io/ios/app/kharcha-book-expense-manager/id1608360032/reviews)** |
| Number of ratings | 44 | **61** |
| Positive reviews | 14.7% of reviews | **82.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 65 MB | 56 MB |
| Requires iOS | 15.5.0 | **15.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Fonepay Payment Service Limited](https://appshunter.io/developer/1642888496) | [Undivided Media Inc.](https://appshunter.io/developer/1598909066) |

## What reviewers say

### Fonepay App

[App page](https://appshunter.io/ios/app/fonepay-app/id1478083267)

Manage all your bank accounts and wallets in one secure app for fast, instant payments. Earn rewards with every transaction and discover local offers. Settle bills with friends and family effortlessly.

**Highlights:** Consolidate bank accounts and wallets, Fast QR and NFC payments, Split bills and send payment requests, Earn and redeem Fonepoints rewards, Discover local offers and deals, Securely manage finances

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

**In-app purchases:** none


### Kharcha Book

[App page](https://appshunter.io/ios/app/kharcha-book-expense-manager/id1608360032)

Easily track your spending and manage your budget with this comprehensive finance manager. Organize income and expenses, set clear financial goals, and gain insights with colorful charts. Share your financial overview with loved ones for collaborative budgeting.

**Highlights:** Track income and expenses, Create custom budgets, Share finances with others, Visualize spending with charts, Manage multiple expense books, Support for multiple currencies

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $0.99 | per month |
| Premium Monthly | $2.99 | per month |
| Premium Yearly | $4.99 | per year |
| Premium Yearly | $19.99 | per year |


## Frequently asked questions

### Is Fonepay App free?

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

### Is Kharcha Book free?

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

### Which has better reviews, Fonepay App or Kharcha Book?

Kharcha Book is rated higher. Fonepay App averages 2.0 out of 5 from 44 ratings, while Kharcha Book averages 4.5 from 61 ratings.

### Do Fonepay App or Kharcha Book have ads?

Kharcha Book shows ads; Fonepay App does not.

### Which is updated more often, Fonepay App or Kharcha Book?

Fonepay App ships an update every 2 months, and Kharcha Book every 3 weeks. Most recently, Fonepay App was updated on October 25, 2026 and Kharcha Book on October 27, 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.*