Comparison

Cashews vs Luci

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

Head to head
About

Cashews

This app analyzes your income and expenses to tell you how much you can safely spend. It offers a unique approach to budgeting by focusing on your current financial health rather than rigid categories. Make informed decisions with a 'Can I afford it?' widget and achieve your financial goals.

Highlights
  • Connect to bank accounts
  • Analyze income and expenses
  • Predictive cash flow algorithm
  • Spendable money calculation
  • Financial goal setting
  • 'Can I afford it?' widget
  • Automated account syncing
Features
Read full description

What did you spend this month? Cashews answers that in 10 seconds. Connect your bank accounts and credit cards, and Cashews shows you one number: Spent So Far. It's the simplest way to stay on top of your money, whether you budget or not. WHAT MAKES CASHEWS DIFFERENT Most finance apps make tracking your spending feel like homework. Cashews takes a different approach. Connect your accounts, see what you've spent, categorize with a swipe. Need, Want, or Other. Done. You get the clarity of knowing where your money goes without the effort of maintaining a traditional budget. And if you want more detail, custom categories let you go deeper. IT PAYS FOR ITSELF Cashews automatically detects every recurring charge across all your accounts. Subscriptions you forgot about, bills you didn't realize were still running, annual renewals you missed. Most people find more in forgotten charges than Cashews costs. HOW IT WORKS 1. Connect your banks and credit cards (12,500+ US institutions supported). 2. See your Spent So Far number, updated daily across all accounts. 3. Swipe to categorize your transactions in seconds. 4. See every recurring charge, cashflow trend, and credit card balance in Insights. HOUSEHOLD SHARING (NEW) Your partner's credit cards, your checking account, that joint savings. Now everyone sees the same number. Invite your financial plus one and get a complete picture of your household's spending. One price covers everyone. KEY FEATURES - Spent So Far: one number, all accounts, updated daily - Household Sharing: invite your partner or family - Simple categorization: Need, Want, Other (or custom categories) - Recurring charge detection with payment reminders - "Can I Afford It?" spending confidence check - Credit card utilization tracking - Cashflow trends: month over month, year over year - Smart notifications: unusual activity, upcoming bills, missed payments - 12,500+ US banks and credit cards supported - Bank-level encryption via Plaid. Read-only access. We never see your login. PRICING $3.99/month or $39.99/year for your whole family. Most people find more than that in forgotten charges. No ads, no hidden fees, no selling your data. Cancel anytime. Cashews uses Plaid (https://plaid.com) to securely connect to your financial institutions. We have read-only access to your accounts. Check if your bank is supported at https://plaid.com/institutions. Currently supports US banks and credit cards only. SUPPORT Questions or feedback? Reach us anytime at support@cashews.finance. Learn more: https://cashews.finance Terms of Service: https://cashews.finance/terms-and-conditions Privacy Policy: https://cashews.finance/privacy-policy

About

Luci

Gamify your financial journey to achieve goals and earn achievements. This app offers budgeting, savings tracking, credit building, and investment guidance using advanced analytics and simulations. It prioritizes your security and privacy by securely connecting to your bank.

Highlights
  • Gamified financial goal setting and tracking
  • Weekly and monthly budgeting with analytics
  • Emergency savings calculation
  • Credit score building tools
  • Credit card rewards maximization
  • Retirement investing guidance (401k, IRA)
  • Financial knowledge playbooks and mini-games
Read full description

The winner of the Winners' Circle Legacy Prize - Texas A&M New Ventures Competition ===================================================== Stress less about money and start your journey to financial freedom with Luci! Zoom to financial freedom as you crush your personal finance(PF) goals. Set & track your real-life financial goals & accomplish them to explore the universe & earn achievements. Keep your financial awareness & knowledge sharp with playbooks and mini-games with personalized questions to compete with others on financial awareness and knowledge. SECURITY & PRIVACY: Luci has your security and privacy on top of mind and does not store or sell your financial data. Luci securely connects to your bank via Plaid and returns the data that your bank provides. BUDGETING: Goodbye to boring and pointless budgeting. Say hello to weekly and monthly budgeting powered by analytics & simulations, and visuals to empower you and help you stay on track. Hit your spending goal to supercharge your ship! EMERGENCY SAVING: Get your safety net set up with Luci! Luci will help you track and calculate your weekly savings to achieve your goal! BUILDING CREDIT: Win the credit score game with Luci. Luci is here to help you build your credit score to save you thousands in the future when you need to take out a loan or mortgage. And using our patent-pending technology, Luci is here to help you win the credit card points game and maximize your credit card rewards! RETIREMENT INVESTING 401Ks & IRAs: 401Ks and IRAs! Essential to becoming a lazy millionaire. Luci has your back to help you learn about them and coach you as you invest in them on your way to becoming a lazy millionaire! #doless POWERFUL ANALYTICS: (WOW, you made it this far! So we will tell you a little secret) Pssssst, did you know that we worked collectively as quants and quantitative traders on Wall Street for over 25 yrs? We power Luci's analytics and projections/simulation tools using our patent-pending technology and quantitative techniques we used on Wall Street. You are in good company :) !

Screenshots

Cashews4 screens
Luci4 screens

Verdict

The call

The clearest difference is review sentiment: Luci at 100% against Cashews's 50%. Luci also leads on rating (5.0 vs 4.5) and in-app purchases (none vs 12). Cashews's advantage is update cadence (every 3 days vs every 6 days) and ratings volume (70 vs 22). On price, ads and device support 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. Cashews sells 9 in-app purchases, starting at $3.99 per month. Luci asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Luci holds the better App Store score, 5.0 against 4.5. Both are backed by a comparable volume of ratings — 70 and 22 respectively. Written reviews point the same way: 50% of Cashews's written reviews are positive against 100% of Luci's.

UpkeepUpdate frequency

Cashews ships an update every 3 days, Luci every 6 days. The most recent releases landed on October 25, 2026 and October 3, 2026 respectively.

Scorecard7 real differences · 3 level
Cashews versus Luci: the parameters behind the verdict, then further details
ParameterCashewsLuci
PriceFreeFree
Rating4.5 (70 ratings)5.0 (22 ratings) — better
Positive reviews50.0% of reviews100.0% of reviews — better
Number of ratings70 — better22
Update frequencyEvery 3 days — betterEvery 6 days
AdsNoNo
In-app purchasesYesNo — better
MonetizationSubscriptionFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.012.0 — better
Further details — not scored
Size74 MB351 MB
Age rating4+4+
DeveloperCashews Finance LLCSoon Science Inc

Customer experience

Cashews

All ratings70 ratings
Positive87.1%
Neutral5.7%
Negative7.1%
Written reviews10 reviews
Positive50.0%
Neutral10.0%
Negative40.0%

Luci

All ratings22 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews6 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

9 purchases

Cashews

Subscriptions9
  • Cashews Finance Monthly14 Days trial$3.991 Month
  • Monthly3 Days trial$5.991 Month
  • Monthly7 Days trial$8.991 Month
Show 6 more
  • Quarterly$13.493 Months
  • Quarterly14 Days trial$19.993 Months
  • Cashews Finance Annual14 Days trial$39.991 Year
  • Yearly3 Days trial$59.991 Year
  • Yearly14 Days trial$59.991 Year
  • Yearly1 Year trial4 variants$69.991 Year
None

Luci

No in-app purchases

Questions

Is Cashews free?
Cashews is free to download, with in-app purchases available.
Is Luci free?
Luci is free to download, with no in-app purchases.
Which has better reviews, Cashews or Luci?
Luci is rated higher. Cashews averages 4.5 out of 5 from 70 ratings, while Luci averages 5.0 from 22 ratings.
Do Cashews or Luci have ads?
Neither Cashews nor Luci shows ads.
Which is updated more often, Cashews or Luci?
Cashews ships an update every 3 days, and Luci every 6 days. Most recently, Cashews was updated on October 25, 2026 and Luci on October 3, 2026.

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