iFinance 5 vs Moniq
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
iFinance 5
Manage your income and expenses with detailed evaluations and charts. This app helps you understand your spending habits, identify savings opportunities, and track financial goals through budgets and analytics.
- Income and expense tracking
- Financial evaluations and charts
- Automatic category assignment
- Budget creation and analysis
- Account transaction retrieval (subscription)
- Encrypted and password-protected database
- Multi-currency support
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iFinance helps you keep track of your income and spending in the most convenient and fastest way. iFinance's convenient evaluations and charts provide an at-a-glance overview of your income streams and expenditures so that optimizing your finances becomes a breeze. The app's automatic category assignment, tags, budgets, and analytics tools help turn your account history into much more than just a list of bare numbers. Want to find out how your assets are performing? Or why you keep maxing out your bank account each month, leaving you to wonder where your salary actually goes? Is it current expenses such as rent, insurance, food or loans? iFinance has all the answers. It can analyze your finances and helps you identify your biggest spending items and any categories with saving potential. iFinance 5 – Highlights: – Retrieve your account transactions – now available for banks in the US, Canada, and several European countries (requires a paid subscription) – Encrypted database – Password protection – Categories (including automatic assignment) – Contacts (including contacts' bank details) – Analyze expenses, income, losses, and profits – Charts (2D & 3D) – Reports – Budgets – iCloud and WiFi sync – Reconcile transactions – Handle different currencies in one database – VoiceOver support – Supported file import formats: CSV, OFX, QIF, MT940 – Multiple databases – Retrieve stock prices – Add file attachments to specific transactions Charts, Reports, Budgets, and Budgets Analysis iFinance offers a broad range of easy-to-customize charts and reports. Review your financial goals using the app's actionable budgets. How much money is there left for you to spend today or this month without stretching your budget? How much more do you need to earn in order to hit your monthly income target? Comprehensive Search Options Want to look up how much you paid for your TV four years ago, and find the corresponding invoice? If this type of task requires you to get up and browse through folders or boxes full of paperwork, you'll love iFinance's integrated search tool. Want to confirm whether the standing order for your rent payment was executed two months ago? Use iFinance 5 to find out in the bat of an eye! App Bundle for Mac, iPhone, and iPad iFinance 5 is available for Mac, iPad, and iPhone. When you buy the Mac version, you automatically get the iOS and iPadOS versions with your purchase – and vice versa. Please note: iFinance 5 is no longer available for Apple Watch. NEW IN IFINANCE 5 • Completely redesigned user interface now supporting dark mode • Account retrieval now also available for banks in the US and Canada (requires a paid subscription) • Annual budgets for year-round financial planning • Improved stock and portfolio management • Specify a custom storage location for databases and backups • Improved iCloud sync • You can now create rules for category assignment Terms of Use: https://syniumsoftware.com/terms
Moniq
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Log an expense in two taps. Moniq is a simple, private budget app: no account, no ads, no tracking. Your data stays on your device. iCloud sync is optional, and you can import or export everything anytime. • Two taps to log spending, on iPhone or Apple Watch • See where your money goes with clear insights and trends • Set your own targets for needs, wants and savings • Track subscriptions and bills, with optional reminders • Unusual spending is flagged for you • Search every transaction by name, category or amount • Widgets for the Home Screen, Lock Screen and Apple Watch • Your currency, your theme Free, with no subscriptions. If Moniq helps you, an optional tip unlocks two supporter themes. From the developer: “I’ve used money trackers for a decade. The good ones keep disappearing, and the new ones are bloated or cost more than they’re worth. So I’m building the one I want to use, for myself and for anyone who wants the same.”
Screenshots
Verdict
The clearest difference is price: Moniq at Free against iFinance 5's $19.99. iFinance 5's advantage is iOS requirement (16.0 vs 26.0). On update cadence, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Moniq is free to download; iFinance 5 costs $19.99 up front. iFinance 5 sells 4 in-app purchases, starting at $5.99 per month and Moniq sells 4 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.
iFinance 5 ships an update every 10 days, Moniq every 3 weeks. The most recent releases landed on October 29, 2026 and October 25, 2026 respectively.
| Parameter | iFinance 5 | Moniq |
|---|---|---|
| Price | $19.99 | Free — better |
| Rating | 4.3 (144 ratings) — better | — |
| Positive reviews | 58.1% of reviews | — |
| Number of ratings | 144 — better | — |
| Update frequency | Every 10 days — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, Mac — better | iPhone, Apple Watch |
| Requires iOS | 16.0 — better | 26.0 |
| Further details — not scored | ||
| Size | 61 MB | 23 MB |
| Age rating | 4+ | 4+ |
| Developer | Synium Software GmbH | Sebastian Vogel |
Bugs and requests
iFinance 5
Reported bugs
5 issues- Incorrect currency display
- Unreliable transaction downloads
- Inconsistent data sync between devices
- Frequent crashes and freezes
- Disappearing or lost transaction data
Requested features
5 requests- Add manual account reconciliation
- Improve transaction categorization and tagging
- Provide more customization options
- Integrate with more financial institutions
- Enhance reporting and visualization capabilities
Moniq
Not enough reviews yet to summarise bugs or requests.
In-app purchases
iFinance 5
- Online Services (monthly)7 Days trial$5.991 Month
- Online Services Plus (monthly)7 Days trial$6.991 Month
- Online Services (annual)7 Days trial$49.991 Year
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- Online Services Plus (annual)7 Days trial$69.991 Year
Moniq
- Small Tip$0.99
- Moniq Supporter$2.99
- Medium Tip$3.99
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- Large Tip$8.99









