Comparison

Cookie vs Kapi Money

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

Head to head
About

Cookie

Easily manage your finances with customizable categories, budget goals, and savings plans. Track expenses, income, and accounts across multiple currencies with automatic exchange rate conversion. Offers privacy protection and cloud sync across devices.

Highlights
  • Customizable income/expense categories
  • Budget goal setting
  • Savings plan creation
  • Multi-currency support with auto-conversion
  • Subscription & installment management
  • Cloud sync across devices
  • Privacy protection with password lock
Features
Read full description

【App Store Editors' Choice】 The most beautiful and intuitive Budget & Expense app. Thank you for choosing Cookie. Ad-free, no splash screens, and zero financial distractions. Beyond the bills, it’s the footprint of your life. 【Aesthetics as Justice】 Experience the "Liquid Glass" effect perfectly paired with Material You dynamic color palettes. Switch between multiple themes freely to suit your style. Access over 3,000 built-in emoji icons or upload your own to personalize every entry. 【All-in-One AI Entry】 Cookie supports screenshot, voice, photo, and text entry. Our AI large models automatically identify information and generate entries, truly freeing your hands for a seamless tracking experience. 【Multi-Dimensional Scenarios】 Cover everything from budget management and savings plans to subscription installments and templates. With support for multiple ledgers and reimbursement management, Cookie meets every need from meticulous planning to quick entry. 【Multi-Currency Support】 Supports over 100 global currencies with exchange rates updated daily. It is the ideal financial tool for international students and cross-border travelers. 【Free Cloud Sync】 Your data is securely stored in iCloud, with real-time synchronization across iPhone, iPad, Mac, and Apple Watch for a consistent experience on all your devices. 【Home Screen Widgets】 Stay on top of your finances with a variety of widgets for income, budgets, savings, calendars, and streaks. Monitor your financial status at a glance without even opening the app. 【Data Security】 Protect your privacy with FaceID passcode locks and automatic blurring when the app enters the background. Your financial data remains strictly confidential and secure. ● Contact Us A. Xiaohongshu: Cookie 记账 B. Email: feedback@noncurious.com ● Auto-Renewable Subscription Terms A. Subscription Pricing: Monthly at ¥6, Yearly at ¥30, or Lifetime Purchase for ¥68. Prices are subject to exchange rates and may vary by region; adjustments may occur during promotional periods. B. Cancellation: To cancel, please manually disable the auto-renewal feature in your Apple ID settings at least 24 hours before the current period expires. C. Privacy Policy: https://noncurious.com/cookie/privacy D. User Agreement: https://noncurious.com/cookie/usage

About

Kapi Money

This app helps you manage your personal finances by tracking expenses, planning budgets, and analyzing spending habits. It offers automatic categorization, asset management, and a personalized AI finance assistant to simplify bookkeeping and build healthier financial habits.

Highlights
  • Automatic expense tracking with AI categorization
  • Personalized AI-powered budget planning
  • Unlimited account books and wallets
  • Comprehensive asset management
  • AI finance assistant for spending insights
  • Journal-style mood and note tracking
Features
Read full description

Kapi Money is a smart expense tracker and budgeting app designed for people who love keeping their finances organized. Record expenses quickly in multiple ways, plan your budget better, understand where your money goes, and make personal finance easier than ever. Key Features * Automatic Expense Tracking AI automatically records and categorizes your expenses, making bookkeeping effortless. * More Than Just Accounting Capture todos, ideas, moods, and daily moments — keep track of your life, not just your spending. * Unlimited Wallets & Books Create unlimited account books for personal, family, travel, work, or any scenario you need. * Asset Management Manage cash, bank accounts, savings, and assets clearly in one place. * Smart Budget Planning AI-powered personalized budgets help you control spending and build healthier financial habits. * AI Finance Assistant Analyze spending patterns with intelligent insights and visual charts to better understand your finances. * Multiple Records in One Sentence Enter multiple income and expense items at once, and AI automatically separates and categorizes them. * Minimal & Cozy Journal Style Record moods, notes, and daily thoughts to make expense tracking more personal and enjoyable. Contact Us * Xiaohongshu (RED): Kapi Money * Email: kapimoney89@gmail.com Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Cookie4 screens
Kapi Money4 screens

Verdict

The call

The clearest difference is rating: Cookie at 4.9 against Kapi Money's 3.5. Cookie also leads on review sentiment (92% vs 50%) and ratings volume (338 vs 2). Kapi Money's advantage is iOS requirement (13.0 vs 15.0). On price, update cadence, ads and in-app purchases 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. Cookie sells 4 in-app purchases, starting at $0.99 per month and Kapi Money sells 5 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Cookie holds the better App Store score, 4.9 against 3.5. That said, the two scores are not equally well evidenced: Cookie has 338 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 92% of Cookie's written reviews are positive against 50% of Kapi Money's.

UpkeepUpdate frequency

Cookie ships an update every 9 days, Kapi Money every 6 days. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard5 real differences · 5 level
Cookie versus Kapi Money: the parameters behind the verdict, then further details
ParameterCookieKapi Money
PriceFreeFree
Rating4.9 (338 ratings) — better3.5 (2 ratings)
Positive reviews91.8% of reviews — better50.0% of reviews
Number of ratings338 — better2
Update frequencyEvery 9 daysEvery 6 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPod, Mac, Apple Watch — betteriPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size137 MB172 MB
Age rating4+12+
DeveloperBeijing Noncurious Technology Co., Ltd.TETRAS.AI HONGKONG CO., LIMITED

Customer experience

Cookie

All ratings338 ratings
Positive96.4%
Neutral1.5%
Negative2.1%
Written reviews159 reviews
Positive91.8%
Neutral3.8%
Negative4.4%

Kapi Money

All ratings2 ratings
Positive50.0%
Neutral50.0%
Negative0.0%
Written reviews2 reviews
Positive50.0%
Neutral50.0%
Negative0.0%

Bugs and requests

Cookie

Reported bugs

3 issues
  • Disappearing transaction history
  • Incorrect currency conversion
  • Widget and Apple Watch app issues

Requested features

5 requests
  • Ability to import data from other apps
  • Customizable budgeting and forecasting tools
  • Multi-user and shared account support
  • Automatic categorization and tagging
  • Integration with banking/financial services

Kapi Money

Not enough reviews yet to summarise bugs or requests.

In-app purchases

4 purchases

Cookie

Subscriptions2
  • Cookie Monthly Membership$0.991 Month
  • Cookie Annual Premium Member$4.491 Year
One-time2
  • 打赏催更$0.99
  • Cookie lifetime premium member$9.99
5 purchases

Kapi Money

Subscriptions3
  • AI Pro Monthly$4.991 Month
  • AI Pro Monthly (Intro)1 Month trial$4.991 Month
  • AI Pro Annual$39.991 Year
One-time2
  • AI Pro 30 Days (Offer)$1.99
  • AI Pro 30 Days$6.99

Questions

Is Cookie free?
Cookie is free to download, with in-app purchases available.
Is Kapi Money free?
Kapi Money is free to download, with in-app purchases available.
Which has better reviews, Cookie or Kapi Money?
Cookie is rated higher. Cookie averages 4.9 out of 5 from 338 ratings, while Kapi Money averages 3.5 from 2 ratings.
Do Cookie or Kapi Money have ads?
Neither Cookie nor Kapi Money shows ads.
Which is updated more often, Cookie or Kapi Money?
Cookie ships an update every 9 days, and Kapi Money every 6 days. Most recently, Cookie was updated on November 3, 2026 and Kapi Money on October 31, 2026.

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