# Nirra vs Ktema

The clearest difference is update cadence: Nirra at every 2 weeks against Ktema's every 6 weeks. Nirra also leads on iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Nirra ships an update every 2 weeks, Ktema every 6 weeks. The most recent releases landed on October 6, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | Nirra | Ktema |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.2 (17 ratings)](https://appshunter.io/ios/app/nirra/id1566928276/reviews)** | — |
| Number of ratings | **17** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 6 weeks |
| Monetization | Free | — |
| Size | 23 MB | 23 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Liberta Leasing Limited](https://appshunter.io/developer/1566928278) | [Bhumik Dhrangadhriya](https://appshunter.io/developer/6802677918) |

## What reviewers say

### Nirra

[App page](https://appshunter.io/ios/app/nirra/id1566928276)

Instantly send and receive money, shop with installment payments, and apply for loans. Manage your finances and lifestyle needs all in one place.

**Highlights:** Instant money transfers, Installment shopping, Loan applications, Receive money, Pay bills

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

**In-app purchases:** none


### Ktema

[App page](https://appshunter.io/ios/app/ktema-lend-and-borrow-tracker/id6802677916)

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

**In-app purchases:** none


## Frequently asked questions

### Is Nirra free?

Nirra is free to download, with no in-app purchases.

### Is Ktema free?

Ktema is free to download, with no in-app purchases.

### Do Nirra or Ktema have ads?

Neither Nirra nor Ktema shows ads.

### Which is updated more often, Nirra or Ktema?

Nirra ships an update every 2 weeks, and Ktema every 6 weeks. Most recently, Nirra was updated on October 6, 2026 and Ktema on October 21, 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.*