# Extra vs FutureMoney

The clearest difference is ads: FutureMoney at none against Extra's shown. FutureMoney also leads on monetization model (free vs free with in-app purchases) and update cadence (every 6 days vs monthly). Extra's advantage is ratings volume (9.6K vs 184). On price, rating, review sentiment and in-app purchases there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.6 for Extra against 4.8 for FutureMoney. That said, the two scores are not equally well evidenced: Extra has 9.6K ratings behind it against 184, so its average is the more settled of the two. Written reviews are what separate them: 63% of Extra's written reviews are positive against 67% of FutureMoney's.

Extra ships an update monthly, FutureMoney every 6 days. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Extra | FutureMoney |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (9.6K ratings)](https://appshunter.io/ios/app/extra/id1489550124/reviews) | **[4.8 (184 ratings)](https://appshunter.io/ios/app/futuremoney-early-investing/id6445875948/reviews)** |
| Number of ratings | **9.6K** | 184 |
| Positive reviews | 63.4% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Monthly | **Every 6 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 90 MB | 119 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [The Aligned Company](https://appshunter.io/developer/1438277172) | [Future Money](https://appshunter.io/developer/1674414185) |

## What reviewers say

### Extra

[App page](https://appshunter.io/ios/app/extra/id1489550124)

Build credit history without a traditional credit card. This debit card helps you track spending, earn rewards, and report payments to credit bureaus. Apply quickly with no credit check required.

**Highlights:** Build credit without a credit card, Earn reward points on purchases, No credit check required for application, Track purchases and spending, Exclusive app content and giveaways, Easy card management

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Game changer for building credit
- 👍 Friendly and helpful customer support
- 💡 Informative financial education videos
- 🚀 Seamless and convenient credit building
- 👍 Great for budgeting and money management

**What reviewers complain about**

- 🐛 Inconsistent bank account syncing and balance updates
- 🔒 Concerns about security and fraud protection
- 🔒 Inability to cancel subscription easily
- 🔒 Unauthorized changes made to accounts

**Reported bugs**

- Rewards page bugs and issues
- Inconsistent spend power limits and increases

**Requested features**

- Reporting to all three major credit bureaus
- Ability to cash out reward points
- Faster bank account syncing and balance updates


### FutureMoney

[App page](https://appshunter.io/ios/app/futuremoney-early-investing/id6445875948)

Secure your child's financial future with an app designed for early investing. It helps turn everyday actions into lifelong advantages, offering options like Roth IRAs and 529 plans. Invite loved ones to contribute and benefit from expert-managed portfolios.

**Highlights:** Kids Roth IRA accounts, 529 college savings plans, Expert-managed investment portfolios, Invite family and friends to contribute, Tax-advantaged generational wealth building, Sliding-scale fees based on income

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use for kids' savings
- 👍 Great for saving for children's future
- 👍 Junior Roth IRA is awesome
- 👍 Explains details thoroughly
- 👍 Flexible and easy to manage plans

**What reviewers complain about**

- 😞 Can't edit entered info
- 😞 Need customer service to edit/close
- 😞 Unclear monthly pricing subscription
- 😞 Not transparent about charges
- 😞 Referral bonus not paid out

**Reported bugs**

- Referral bonus payout delays
- Withdrawal issues after account closure
- Inability to log in after account closure
- Error messages during account setup
- Login failures for extended periods

**Requested features**

- Allow editing of entered information
- Improve transparency on pricing and charges
- Add functionality for others to contribute to accounts
- Provide clearer error message handling


## Frequently asked questions

### Is Extra free?

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

### Is FutureMoney free?

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

### Which has better reviews, Extra or FutureMoney?

FutureMoney is rated higher. Extra averages 4.6 out of 5 from 9.6K ratings, while FutureMoney averages 4.8 from 184 ratings.

### Do Extra or FutureMoney have ads?

Extra shows ads; FutureMoney does not.

### Which is updated more often, Extra or FutureMoney?

Extra ships an update monthly, and FutureMoney every 6 days. Most recently, Extra was updated on October 27, 2026 and FutureMoney on October 25, 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.*