# Spare vs Cusp

The clearest difference is rating: Cusp at 5.0 against Spare's 4.0. Cusp also leads on ads (none vs shown) and update cadence (every 9 days vs every 4 weeks). Spare's advantage is ratings volume (4 vs 1) and iOS requirement (12.1 vs 17.0). 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.

Cusp holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 4 and 1 respectively.

Spare ships an update every 4 weeks, Cusp every 9 days. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Spare | Cusp |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (4 ratings)](https://appshunter.io/ios/app/spare-know-your-money/id1499315613/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/cusp/id6747161256/reviews)** |
| Number of ratings | **4** | 1 |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 weeks | **Every 9 days** |
| Monetization | Ad-supported | **Free** |
| Size | 112 MB | 136 MB |
| Requires iOS | **12.1** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Spare Technologies Holding Limited](https://appshunter.io/developer/1477168797) | [Cusp Money Advisors Pvt Ltd](https://appshunter.io/developer/1820112675) |

## What reviewers say

### Spare

[App page](https://appshunter.io/ios/app/spare-know-your-money/id1499315613)

This personal finance app helps you manage your money by connecting bank accounts, tracking expenses, and providing intelligent insights. It offers personalized savings offers and aims to simplify your financial life.

**Highlights:** Connect bank accounts, Track expenses, Intelligent insights, Personalized savings offers, Bank-level security, Budgeting tools

**Features:** macOS Compatibility

**In-app purchases:** none


### Cusp

[App page](https://appshunter.io/ios/app/cusp/id6747161256)

This app acts as your financial alter ego, aggregating all your wealth in one place. It leverages financial knowledge to help you track, plan, and grow your personal and family wealth through personalized guidance.

**Highlights:** Wealth aggregation, Personalized financial guidance, Family wealth management, Expense optimization, Investment planning, Savings optimization

**In-app purchases:** none


## Frequently asked questions

### Is Spare free?

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

### Is Cusp free?

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

### Which has better reviews, Spare or Cusp?

Cusp is rated higher. Spare averages 4.0 out of 5 from 4 ratings, while Cusp averages 5.0 from 1 ratings.

### Do Spare or Cusp have ads?

Spare shows ads; Cusp does not.

### Which is updated more often, Spare or Cusp?

Spare ships an update every 4 weeks, and Cusp every 9 days. Most recently, Spare was updated on November 3, 2026 and Cusp on November 5, 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.*