Fundlater vs Earnr
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Fundlater
This app offers a low-cost savings plan to help users build wealth. It allows for investment diversification and aims to provide access to larger sums from the start.
- Low-cost savings plan
- Investment diversification
- Build wealth
- Larger amount from day one
- Overcome saving hurdles
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A low-cost savings plan designed to overcome some of the hurdles of saving. Fundlater Lets you diversify your investment and seek to build wealth with a larger amount than you put down from day one.
Earnr
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Built by former ANZ Bank executives. Savers, Retirees, SMSFs, Trusts, Businesses: 1. Open an Earnr Account in 2-7 minutes 2. Get started with Earnr Yield from $5,000 3. Earn higher interest, paid monthly - Earn up to 6.00% p.a secured over 2x by Cash & Australian Property - No hidden signup or account fees - Bank grade security CUSTOMER SUPPORT You can contact our support team by sending an email to support@earnr.com.au or calling our Sydney office on 1300 332 062. IMPORTANT INFORMATION “Earnr” is a registered trademark of Earnr Holdings Pty Ltd. The Earnr App is operated by Earnr Australia Pty Ltd – Authorised Representative of AFSL 224107. A Product Disclosure Statement (PDS) and Target Market Determination is available on the Earnr website. All information provided is general information only. It does not purport to be complete, nor does it take into account your particular circumstances, investment objectives, financial situation or needs, and is not intended to constitute investment, legal or taxation advice. Accordingly, it should not be relied upon as a substitute for detailed financial advice or used as a basis for making investment or other decisions. Before making any decisions, taking any action or refraining from taking any action, you should consider whether this information is appropriate to your objectives, circumstances, financial situations and needs. Earnr recommends you seek independent professional advice. Earnr Yield ARSN 651 645 715 is an ASIC registered Australian fund offering different investment products. The investment products are not bank deposits, and like all investments, are subject to risks which are set out in the product disclosure statement for the Earnr Yield dated 14 October 2021, a copy of which is available on https://beta.earnr.com.au or https://www.earnr.com.au.
Screenshots
Verdict
The clearest difference is ads: Fundlater at none against Earnr's shown. Fundlater also leads on update cadence (every 3 weeks vs every 3 months). On price, in-app purchases, device support and iOS requirement 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Fundlater ships an update every 3 weeks, Earnr every 3 months. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.
| Parameter | Fundlater | Earnr |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| Update frequency | Every 3 weeks — better | Every 3 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Ad-supported | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 12.4 — better | 13.0 |
| Further details — not scored | ||
| Size | 28 MB | 17 MB |
| Age rating | 4+ | 4+ |
| Developer | InvestSMART | EARNR HOLDINGS PTY LTD |
In-app purchases
Fundlater
No in-app purchases
Earnr
No in-app purchases
