guide.capital vs Cashya
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
guide.capital
Design your personalized investment solution with expert knowledge and AI. Build modular portfolios, evaluate securities, and gain a complete overview of your assets. Offers unique investment components for loss minimization and stable performance.
- AI-driven portfolio construction
- Personalized asset allocation
- Modular investment solution design
- Model portfolios from known providers
- Independent portfolio check
- Security evaluation via photo
- Sustainability ratings and scoring
Read full descriptionHide full description
SAVE TIME AND USE THE KNOWLEDGE OF EXPERTS AND ARTIFICIAL INTELLIGENCE It can be very time-consuming to construct the portfolio, determine the asset allocation, and find the right investment product and dealing with the markets on a daily basis - even more so when it's personalised. With guide[dot]capital you design your investment solution - simple, transparent and tailored to your needs. SIMPLE, PROFESSIONAL AND ALWAYS UP-TO-DATE So far, investors have looked after their assets themselves, hired an advisory or delegated their financial affairs in the form of an asset management mandate. Thanks to our technology, we can asset management easy for you. The unique open platform with model portfolios from well-known providers lets you build your desired investment solution modularly, taking your preferences and investment focus into account. FIND UNIQUE INVESTMENT SOLUTIONS Select model portfolios with a focus on sustainability, digitization, ETFs or individual stocks, from actively managed to passive or rule-based building blocks. We also offer unique investment components that carry out rule-based reallocations with the aim of minimizing losses and achieving a stable performance. By weighting the building blocks, you define your risk profile and start following the model portfolios. Get the rebalancing list with one click. The availability of the building blocks depends on the user of the app. We will continuously expand the range of building blocks. INDEPENDENT PORTFOLIO-CHECK Quickly and easily evaluate your portfolio securities according to various criteria by well-known rating agencies and financial institutions as a basis for better investment decisions and a more sustainable investment strategy. Advantages of our app are: - Consolidate several portfolios - Evaluate your securities by simply photographing your securities account statement - Sustainability ratings, fundamentals, technical scoring of renowned institutes - Global coverage of equities, bonds, funds, commodities, structured products - Alarm functionality for changes in the evaluation - Complete overview of your portfolio by currency, asset class, sustainability, etc. - Second opinion from third parties Legal notice: Depending on your residence, you will be granted full, limited or no access to the contents of this app. Our terms of use can be found under: Privacy Policy: http://www.guide.capital/legal/privacypolicy_en.htm Terms and Conditions: http://www.guide.capital/legal/termsandcondition_en.htm.htm
Cashya
Read full descriptionHide full description
Where does your money really go? Cashya shows not only how much you spend — but whether it’s for essentials or luxury. Simple to use, powerful in analysis and completely private. QUICK ENTRY Record transactions in seconds. Category, subcategory, amount and date – done. Optional: - Notes - Tags - Time MUST · SHOULD · LUXURY The core feature of Cashya: Every subcategory is automatically linked to a priority. Rent is a must. A concert is luxury. Instantly see: - where your money really goes - which expenses truly matter - where you could save ACCOUNTS & WEALTH Want to track more than just income and expenses and also keep an eye on your account balances and overall wealth? Optionally enable account management and manage one or multiple accounts directly in Cashya. With account management enabled, you can: - keep track of your account balances - analyze how your wealth develops over time - view multiple accounts together - record one-time and recurring transfers between accounts If you don’t need account management, Cashya remains a simple and streamlined expense tracker. POWERFUL ANALYTICS - Cashflow overview with income, expenses and balance - Interactive category breakdowns - Priority-based spending analysis - Monthly, quarterly and yearly comparisons - Spending trends over time - Tag-based analytics - Cumulative cashflow tracking - Wealth overview and wealth development with account management enabled RECURRING TRANSACTIONS Add rent, subscriptions and recurring payments once. Cashya automatically includes them in all reports. UNLIMITED CATEGORIES Create unlimited custom categories and subcategories with individual icons and colors. YOUR DESIGN, YOUR RULES - Dark Mode, Light Mode or automatic - Freely selectable accent colors - Optional glass effects - Home screen widgets YOUR DATA BELONGS TO YOU - All data stays locally on your device - Optional iCloud synchronization - Encrypted iCloud Drive backups (AES-256) - No ads - No tracking - No data sharing FREE VS. CASHYA PRO The free version allows up to 10 transactions. CASHYA PRO Try free for 7 days. Available as: - Monthly - Yearly (save 37%) - Lifetime Fair pricing with active ongoing development. Subscriptions renew automatically and can be canceled anytime in iPhone Settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is update cadence: Cashya at daily against guide.capital's every 2 months. guide.capital's advantage is iOS requirement (15.6 vs 26.0). On price, 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
Both are free to download. guide.capital sells 6 in-app purchases, starting at $12.99 per month and Cashya sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.
guide.capital ships an update every 2 months, Cashya daily. The most recent releases landed on October 13, 2026 and October 12, 2026 respectively.
| Parameter | guide.capital | Cashya |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 2 months | Daily — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 26.0 |
| Further details — not scored | ||
| Size | 72 MB | 4 MB |
| Age rating | 4+ | 4+ |
| Developer | efficient.capital AG | Mario Lüthy |
In-app purchases
guide.capital
- S&P ESG (monthly)7 Days trial$12.991 Month
- SIX Consolidation (monthly)7 Days trial$13.991 Month
- theScreener Rating (monthly)7 Days trial$16.991 Month
Show 3 moreShow fewer
- S&P ESG (yearly)7 Days trial$77.991 Year
- theScreener Rating (yearly)7 Days trial$106.991 Year
- SIX Consolidation (yearly)7 Days trial$139.991 Year
Cashya
- Cashya Pro – Monthly7 Days trial$1.991 Month
- Cashya Pro – Yearly7 Days trial$17.991 Year
- Cashya Pro – Lifetime$39.99









