# Spending Rate vs Thinklet

The clearest difference is in-app purchases: Spending Rate at none against Thinklet's 4. Spending Rate also leads on iOS requirement (18.0 vs 26.2). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Thinklet sells 4 in-app purchases, starting at $4.99 per month. Spending Rate asks for nothing beyond the download.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on November 3, 2026 and November 9, 2026 respectively.

## The numbers

| Metric | Spending Rate | Thinklet |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | — |
| Size | 11 MB | 10 MB |
| Requires iOS | **18.0** | 26.2 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Seung-Un Ham](https://appshunter.io/developer/447543367) | [洋 张](https://appshunter.io/developer/1809078958) |

## What reviewers say

### Spending Rate

[App page](https://appshunter.io/ios/app/spending-rate/id1571310168)

This app helps you track your daily spending pace and project your balance until payday. Log expenses, visualize spending by category with charts, and manage your budget effectively. Your financial data is kept private with iCloud sync and no ads or tracking.

**Highlights:** Log daily expenses, Project balance until payday, Visualize spending by category, Calendar view of expenses, Private iCloud sync, No ads or tracking

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

**In-app purchases:** none


### Thinklet

[App page](https://appshunter.io/ios/app/thinklet-ai-chat-client/id6761720405)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Starter | $4.99 | per month |
| Basic | $9.99 | per month |
| Pro | $19.99 | per month |
| Max | $49.99 | per month |


## Frequently asked questions

### Is Spending Rate free?

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

### Is Thinklet free?

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

### Do Spending Rate or Thinklet have ads?

Neither Spending Rate nor Thinklet shows ads.

### Which is updated more often, Spending Rate or Thinklet?

Spending Rate ships an update every 2 months, and Thinklet every 2 months. Most recently, Spending Rate was updated on November 3, 2026 and Thinklet on November 9, 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.*