Comparison

함쓰 vs Chagok

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

함쓰

This app allows multiple users to manage a shared household budget, track expenses with customizable tags, and input transactions quickly. It supports multiple currencies and offers various reporting features based on tags. Users can also set up recurring expenses and utilize a dark mode.

Highlights
  • Shared household budget management
  • Multi-user access with push notifications
  • Tag-based expense categorization
  • Quick and intuitive transaction input
  • Multi-currency support for international transactions
  • Recurring expense scheduling
  • Data backup and restore
Features
Read full description

[함쓰 - 함께 쓰는 공유 가계부] 함쓰는 아래와 같은 기능들을 갖고 있어요 그리고 지금도 계속 발전하고 있어요 * 가계부 공유 기능 - 나 뿐만 아니라 여러명과 함께 동일한 가계부 관리가 가능해요 - 공유 사용자가 내역을 등록하면 바로 푸시 알람도~ - 공유 가계부와 나의 가계부를 분리하여 별도의 가계부도 OK * 태그를 통한 분류 - 기존의 분류(카테고리)기능과 유사하면서 기능을 확장한 태그 기능을 사용해 보세요 - 등록하는 내역별로 멀티로 태그를 등록하시고 원하는데로 조회 해 볼 수 있어요 - 태그별 색상을 지정하여 눈에 띄게 하여 입력을 편하게 해보세요 * 직관적인 내역 등록 UI - 빠르고 단순하게 입력할 수 있도록 입력값을 최소화 하려고 했어요 - 최근에 등록한 태그를 자동으로 보여주어 클릭만으로 등록이 가능해요 - 카드, 통장 입출금 문자도 복사, 붙여넣으면 자동으로 입력해줘요. - 복식부기 가계부는 아니지만 전월 잔액을 이번달로 이월시킬 수 있어요 * 해외 통화 관리 - 직구를 했다면? 달러, 유로 등 보조 통화 기능으로 입력할 수 있어요 - 내가 해외에 살고 있는데? 그렇다면 기본 통화도 바꿀수 있게 만들었어요 - 환율은 최신 환율로 자동으로~ 수정도 가능해요 * 태그를 통한 다양한 조회기능 - 태그를 입력했다면 보고 싶은데로 태그통계를 꾸밀 수 있어요 - 단순 태그를 합산하여 수입 / 지출 비교해요 - 태그의 금액이 월전체 금액에서 차지하는 비율도 볼 수 있어요 - 태그 그룹 내 태그들 끼리의 비율도 확인가능해요. - 본인이 원하는 형태로 태그카드의 위치와 유형을 만들어 볼 수 있어요 * 고정 금액 등록 - 매년, 매월, 매주, 매일 등록되는 내용이 있다면 ? 고정 금액으로 등록해보세요 - 고정 금액이 등록되면 알아서 푸시 알람이 와요 * 기타 기능들 - 다크 테마 모드를 지원해요. 사용자가 직접할 수 있고 자동으로도 가능해요 - 데이터를 백업하고 복구 할 수도 있어요 * 정기 구독 - 매월 1,200원으로 정기 구독을 통해 광고 없이 모든 기능을 사용할 수 있어요 - 애플 Itunes 계정을 통해 구매가 진행돼요 - 구독이 끝나기 24시간 전에 취소하시면 종료되며 그렇지 않으면 자동으로 결제돼요 - 구독 정보는 사용자가 관리할 수 있으며 사용자 계정 설정에서 중지 할 수 있어요 * 개인정보 처리 방침 - https://cafe.naver.com/ggmoneybook/482 * 이용약관 - https://cafe.naver.com/ggmoneybook/491

About

Chagok

This app helps you track expenses with detailed breakdowns and flexible sharing options. See your spending at a glance with calendar views and monthly reports, while maintaining control over what information is shared with others.

Highlights
  • Detailed expense breakdowns
  • Flexible account sharing
  • Calendar and monthly reports
  • Category spending analysis
  • Combined account overview
  • Privacy controls for shared accounts
Features
Read full description

Chagok is a flexible expense tracker designed for real life — whether you’re managing money on your own or sharing costs with your partner, family, or friends. Instead of just asking “how much did I spend?”, Chagok helps you see exactly what you spent your money on. [ Break down every expense ] Split a single transaction into multiple categories like groceries, household items, or personal spending. Even complex expenses stay clear and organized. [ Share what you need, keep the rest private ] Share specific accounts with others while keeping everything else to yourself. You stay in control of what others can see. [ See everything at a glance ] Track your spending with a calendar view and monthly reports. Understand your habits with category breakdowns. [ Get a full picture of your money ] Combine accounts and cards to see your total balance and financial flow in one place. [ Built with privacy in mind ] Control access for each shared account. Share confidently without exposing everything. [ Recommended for ] - Anyone who wants a simple yet detailed expense tracker - Couples, roommates, and families managing shared costs - People who want flexible sharing without losing privacy Start today and manage your money with more clarity and control.

Screenshots

함쓰4 screens
Chagok4 screens

Verdict

The call

The clearest difference is in-app purchases: Chagok at none against 함쓰's 1. Chagok also leads on review sentiment (100% vs 70%). 함쓰's advantage is ads (none vs shown). On price, update cadence, device support and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. 함쓰 sells 1 in-app purchase, starting at $0.99 per month. Chagok asks for nothing beyond the download.

UpkeepUpdate frequency

함쓰 ships an update every 2 weeks, Chagok every 10 days. The most recent releases landed on November 7, 2026 and November 4, 2026 respectively.

Scorecard4 real differences · 6 level
함쓰 versus Chagok: the parameters behind the verdict, then further details
Parameter함쓰Chagok
PriceFreeFree
Rating2.7 (3 ratings) — better—
Positive reviews69.8% of reviews100.0% of reviews — better
Number of ratings3 — better—
Update frequencyEvery 2 weeksEvery 10 days — better
AdsNo — betterYes
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size97 MB48 MB
Age rating4+4+
DeveloperHYEMIN LEEYura Kang

Customer experience

함쓰

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews63 reviews
Positive69.8%
Neutral12.7%
Negative17.5%

Chagok

Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

함쓰

Subscriptions1
  • 월정기구독$0.991 Month
None

Chagok

No in-app purchases

Questions

Is 함쓰 free?
함쓰 is free to download, with in-app purchases available.
Is Chagok free?
Chagok is free to download, with no in-app purchases.
Do 함쓰 or Chagok have ads?
Chagok shows ads; 함쓰 does not.
Which is updated more often, 함쓰 or Chagok?
함쓰 ships an update every 2 weeks, and Chagok every 10 days. Most recently, 함쓰 was updated on November 7, 2026 and Chagok on November 4, 2026.

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