# Kharcha Book vs Lender

The clearest difference is in-app purchases: Lender at none against Kharcha Book's 6. Lender also leads on ads (none vs shown) and iOS requirement (13.0 vs 15.0). Kharcha Book's advantage is update cadence (every 3 weeks vs every 2 months). On price and device support there is nothing between them.

Both are free to download. Kharcha Book sells 6 in-app purchases, starting at $0.99 per month. Lender asks for nothing beyond the download.

Kharcha Book ships an update every 3 weeks, Lender every 2 months. The most recent releases landed on October 30, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Kharcha Book | Lender |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (61 ratings)](https://appshunter.io/ios/app/kharcha-book-expense-manager/id1608360032/reviews)** | — |
| Number of ratings | **61** | — |
| Positive reviews | 81.1% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | — |
| Size | 58 MB | 86 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Undivided Media Inc.](https://appshunter.io/developer/1598909066) | [Mehrnaz Emadi](https://appshunter.io/developer/1762356143) |

## What reviewers say

### Kharcha Book

[App page](https://appshunter.io/ios/app/kharcha-book-expense-manager/id1608360032)

Effortlessly track personal or shared expenses with this comprehensive ledger. Manage budgets, split bills with family or roommates, and gain clear insights into your spending habits through visual reports. Supports offline use and real-time notifications for transparent financial management.

**Highlights:** Multi-book management, Collaborative expense tracking, Quick logging of cash in/out, Automatic currency detection, Visual income vs. spending reports, Offline support, Real-time notifications

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

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $0.99 | per month |
| Premium Monthly | $2.99 | per month |
| Premium Monthly | $2.99 | per month |
| Premium Yearly | $4.99 | per year |
| Premium Yearly | $19.99 | per year |
| Premium Yearly | $19.99 | per year |


### Lender

[App page](https://appshunter.io/ios/app/lender/id6756632997)

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

**In-app purchases:** none


## Frequently asked questions

### Is Kharcha Book free?

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

### Is Lender free?

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

### Do Kharcha Book or Lender have ads?

Kharcha Book shows ads; Lender does not.

### Which is updated more often, Kharcha Book or Lender?

Kharcha Book ships an update every 3 weeks, and Lender every 2 months. Most recently, Kharcha Book was updated on October 30, 2026 and Lender on October 25, 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.*