Comparison

Smoov Finance vs Budget Stack

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

Head to head
About

Smoov Finance

This AI-powered app helps couples manage shared expenses automatically. It connects to your cards to track bills, offers flexible splitting options, and provides secure, instant settlements. Get personalized insights to reduce financial stress and build trust in your relationship.

Highlights
  • Automatic expense tracking
  • One-tap custom splitting
  • Private and secure settlements
  • AI-powered financial insights
  • Works with all credit and debit cards
  • Flexible settle-up schedules
Read full description

Split Bills. Not Relationships. Money is one of the leading causes of stress in relationships. Couples argue about expenses, forget who paid last, and send money back and forth multiple times a week. It’s awkward, it’s emotional, and it’s exhausting. That’s why we built Smoov — the first AI-powered money app made just for couples. Why Smoov Automatic expense tracking – Connect your credit and debit cards and let Smoov pull in shared expenses for you. One-tap splitting – Whether it’s 50/50, 70/30, or any custom split, settle expenses the way that works for your relationship. Private and secure settle-ups – Pay your partner back instantly, safely, and without awkward reminders. AI insights – Get personalized tips and smarter money choices, built to reduce tension and build trust. No more calculating in Excel. No more “I’ll get it next time.” No more Venmo-ing back and forth every time one of you picks up groceries or fills up the car with gas. Built for Modern Couples Modern banking wasn’t built for relationships. Before joint accounts, couples spend months (or even years) splitting bills—often across 10 or more different cards and accounts. That adds up to hundreds of shared expenses and thousands of dollars before marriage or a combined account. With Smoov, you can make those years easier, smoother, and more fair. Features Couples Love Works with all your cards (credit and debit) Instant notifications for new expenses Split history that keeps everything clear Flexible settle-up schedule (pay instantly or at the end of the month) Designed for fairness, transparency, and peace of mind Peace of Mind, Not Just Math Money fights are the number one predictor of divorce. Smoov takes the emotion out of the process, so you can focus on what really matters—your relationship. Our mission is simple: make relationships easier. Get Started Today Download Smoov and try your first week free. Experience how simple it can be to split smarter, save time, and reduce stress. Because your relationship deserves better than spreadsheets and Venmo. #SmoovIt Abiding by Apple EULA :: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ToS & Privacy Policy :: https://www.smoov.app/privacy

About

Budget Stack

Features
Read full description

Budget Stack helps you keep everyday spending organized without turning budgeting into a chore. Create simple spending lists, add transactions, sort purchases by category, and see totals at a glance. Whether you’re tracking a card balance, planning a home project, managing recurring expenses, or keeping a shared wish list tidy, Budget Stack gives you a clean place to capture what matters. Features: Create multiple spending lists Add transactions with merchants, amounts, dates, notes, and recurrence Organize spending with customizable categories and tags View totals and category breakdowns Sort and manage lists quickly Sync and recover your data with iCloud Privacy-first design with no analytics, tracking, or personal data collection Optional premium icons for a more personalized look Budget Stack is built for people who want a focused, private, lightweight way to understand where their money is going. Everything needed for one person. Budget Stack Premium (Families & Smart Features): Includes: * Shared Lists * Family Budget Sharing * Smart Lists * Future Siri AI features * Premium app icons * Future premium widgets

Screenshots

Smoov Finance4 screens
Budget Stack4 screens

Verdict

The call

The clearest difference is ads: Budget Stack at none against Smoov Finance's shown. Budget Stack also leads on update cadence (every 5 days vs every 3 weeks) and device support (4 vs 2). Smoov Finance's advantage is iOS requirement (15.1 vs 18.6). On price and in-app purchases 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. Smoov Finance sells 2 in-app purchases, starting at $12.99 per month and Budget Stack sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Smoov Finance ships an update every 3 weeks, Budget Stack every 5 days. The most recent releases landed on October 15, 2026 and October 19, 2026 respectively.

Scorecard4 real differences · 6 level
Smoov Finance versus Budget Stack: the parameters behind the verdict, then further details
ParameterSmoov FinanceBudget Stack
PriceFreeFree
Rating4.9 (35 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings35 — better—
Update frequencyEvery 3 weeksEvery 5 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPad, Mac, Apple Watch — better
Requires iOS15.1 — better18.6
Further details — not scored
Size81 MB37 MB
Age rating4+4+
DeveloperSmoov IncAndrew Williams

In-app purchases

2 purchases

Smoov Finance

Subscriptions2
  • Smoov Pro Monthly$12.991 Month
  • Smoov Pro Annual7 Days trial$69.991 Year
1 purchases

Budget Stack

One-time1
  • Premium$5.99

Questions

Is Smoov Finance free?
Smoov Finance is free to download, with in-app purchases available.
Is Budget Stack free?
Budget Stack is free to download, with in-app purchases available.
Do Smoov Finance or Budget Stack have ads?
Smoov Finance shows ads; Budget Stack does not.
Which is updated more often, Smoov Finance or Budget Stack?
Smoov Finance ships an update every 3 weeks, and Budget Stack every 5 days. Most recently, Smoov Finance was updated on October 15, 2026 and Budget Stack on October 19, 2026.

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