# Tnote vs Personal Finance Utilities

Tnote and Personal Finance Utilities are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Tnote sells 4 in-app purchases, starting at $0.49 per 7 days and Personal Finance Utilities sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Tnote | Personal Finance Utilities |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Monthly | Monthly |
| Size | 43 MB | 7 MB |
| Requires iOS | **15** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 12+ | 4+ |
| Developer | [Luc Pham Van](https://appshunter.io/developer/1544588097) | [Vladislav Zhirnov](https://appshunter.io/developer/1476188065) |

## What reviewers say

### Tnote

[App page](https://appshunter.io/ios/app/tnote/id1544588095)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Week VIP, No ads, Premiums | $0.49 | per 7 days |
| 1 Month VIP, No ads, Premiums | $0.49 | per month |
| 1 Year VIP, No ads, Premiums | $6.49 | per year |
| Life time VIP, No Ads, Premium | $16.99 | one-time |


### Personal Finance Utilities

[App page](https://appshunter.io/ios/app/personal-finance-utilities/id6738870091)

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Full version / monthly | $0.99 | per month |
| Full version / year | $3.99 | per year |
| Remove ADS | $6.99 | one-time |


## Frequently asked questions

### Is Tnote free?

Tnote is free to download, with in-app purchases available.

### Is Personal Finance Utilities free?

Personal Finance Utilities is free to download, with in-app purchases available.

### Do Tnote or Personal Finance Utilities have ads?

Both Tnote and Personal Finance Utilities show ads.

### Which is updated more often, Tnote or Personal Finance Utilities?

Tnote ships an update monthly, and Personal Finance Utilities monthly. Most recently, Tnote was updated on October 24, 2026 and Personal Finance Utilities on October 28, 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.*