Comparison

Cashews vs SpendCircle

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

SpendCircle

This app helps families track household expenses together, providing a shared view of spending to improve financial habits. Users can define custom categories, add notes, and gain insights into where money is going. The goal is to reduce wasteful spending and prioritize important purchases.

Highlights
  • Shared family spending view
  • Expense tracking in real-time
  • Customizable spending categories
  • Detailed expense notes
  • Accountability for family members
  • Spending habit building
Features
Read full description

Bewildered by your monthly household spending? With multiple credit card closing cycles and spending family members, it's impossible to keep track. And you can't manage what you can't track! With SpendCircle, your entire family shares a common view of spending. Track expenses as they happen, keep each other accountable and build good spending habits.  Define your own spending categories, make detailed notes, and get a deep understanding of your family spending. Motivate your family to reduce wasteful spending and make room for the things that matter!

Screenshots

Cashews4 screens
SpendCircle4 screens

Verdict

The call

The clearest difference is review sentiment: SpendCircle at 100% against Cashews's 50%. SpendCircle also leads on monetization model (freemium vs subscription) and rating (5.0 vs 4.5). Cashews's advantage is update cadence (every 3 days vs every 2 weeks) and ratings volume (70 vs 2). On price, ads, in-app purchases 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 and SpendCircle sells 1 in-app purchase, starting at $1.99 per year. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

SpendCircle holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Cashews has 70 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 50% of Cashews's written reviews are positive against 100% of SpendCircle's.

UpkeepUpdate frequency

Cashews ships an update every 3 days, SpendCircle every 2 weeks. Both last shipped on October 14, 2026.

Scorecard5 real differences · 5 level
Cashews versus SpendCircle: the parameters behind the verdict, then further details
ParameterCashewsSpendCircle
PriceFreeFree
Rating4.5 (70 ratings)5.0 (2 ratings) — better
Positive reviews50.0% of reviews100.0% of reviews — better
Number of ratings70 — better2
Update frequencyEvery 3 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationSubscriptionFreemium — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size74 MB33 MB
Age rating4+4+
DeveloperCashews Finance LLCClaredat LLC

Customer experience

Cashews

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

SpendCircle

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 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
1 purchases

SpendCircle

Subscriptions1
  • 1-Month Free | Annual Plan1 Month trial$1.991 Year

Questions

Is Cashews free?
Cashews is free to download, with in-app purchases available.
Is SpendCircle free?
SpendCircle is free to download, with in-app purchases available.
Which has better reviews, Cashews or SpendCircle?
SpendCircle is rated higher. Cashews averages 4.5 out of 5 from 70 ratings, while SpendCircle averages 5.0 from 2 ratings.
Do Cashews or SpendCircle have ads?
Neither Cashews nor SpendCircle shows ads.
Which is updated more often, Cashews or SpendCircle?
Cashews ships an update every 3 days, and SpendCircle every 2 weeks. Most recently, Cashews was updated on October 14, 2026 and SpendCircle on October 14, 2026.

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