# Cookie vs Kapi Money

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.

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.

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.

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.

## The numbers

| Metric | Cookie | Kapi Money |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (338 ratings)](https://appshunter.io/ios/app/cookie-budget-and-expense/id1559943673/reviews)** | [3.5 (2 ratings)](https://appshunter.io/ios/app/kapi-money/id6768628584/reviews) |
| Number of ratings | **338** | 2 |
| Positive reviews | **91.8% of reviews** | 50.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 9 days | **Every 6 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 137 MB | 172 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod, Mac, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Beijing Noncurious Technology Co., Ltd.](https://appshunter.io/developer/1492668005) | [TETRAS.AI HONGKONG CO., LIMITED](https://appshunter.io/developer/6774083001) |

## What reviewers say

### Cookie

[App page](https://appshunter.io/ios/app/cookie-budget-and-expense/id1559943673)

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:** Apple Watch app, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Cookie Monthly Membership | $0.99 | per month |
| Cookie Annual Premium Member | $4.49 | per year |
| 打赏催更 | $0.99 | one-time |
| Cookie lifetime premium member | $9.99 | one-time |

**What reviewers like**

- 👍 Simple and clean UI
- 🚀 Convenient and easy to use
- 💯 Comprehensive features
- 💰 Affordable subscription
- 🔒 No ads or in-app purchases

**What reviewers complain about**

- 🐛 Sync issues and data loss after updates
- ⚠️ Limited location and currency support
- 🔍 Lack of advanced reporting and analytics
- 🕰️ Slow transaction sync

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/kapi-money/id6768628584)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| AI Pro Monthly | $4.99 | per month |
| AI Pro Monthly (Intro) | $4.99 | per month |
| AI Pro Annual | $39.99 | per year |
| AI Pro 30 Days (Offer) | $1.99 | one-time |
| AI Pro 30 Days | $6.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*