# Percapita vs CreditU

The clearest difference is in-app purchases: Percapita at none against CreditU's 1. Percapita also leads on device support (3 vs 1). CreditU's advantage is ratings volume (991 vs 40). On price, rating, review sentiment and update cadence there is nothing between them.

Both are free to download. CreditU sells 1 in-app purchase, starting at $12.99 per month. Percapita asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.8 for Percapita against 4.9 for CreditU. That said, the two scores are not equally well evidenced: CreditU has 991 ratings behind it against 40, so its average is the more settled of the two. Written reviews are what separate them: 89% of Percapita's written reviews are positive against 96% of CreditU's.

Percapita ships an update every 3 weeks, CreditU fortnightly. The most recent releases landed on September 23, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | Percapita | CreditU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (40 ratings)](https://appshunter.io/ios/app/percapita/id1617975560/reviews) | **[4.9 (991 ratings)](https://appshunter.io/ios/app/creditu/id1663259146/reviews)** |
| Number of ratings | 40 | **991** |
| Positive reviews | 89.5% of reviews | **96.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 134 MB | 255 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 17+ |
| Developer | [Percapita Group, Inc.](https://appshunter.io/developer/1606391644) | [American Consumer Credit Counseling, Inc](https://appshunter.io/developer/1663259148) |

## What reviewers say

### Percapita

[App page](https://appshunter.io/ios/app/percapita/id1617975560)

Manage your finances with an all-in-one app for spending, saving, budgeting, and building financial wellness. Enjoy features like early wage access, automatic savings, credit building through rent payments, and cash back rewards. Securely manage your money with FDIC insurance and robust data encryption.

**Highlights:** Smarter spending and saving tools, Automatic savings with Penny Jar, Build credit with rent payments, Earn cash back rewards, Early wage access, International money transfers, Needs-based and goal-based budgeting

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

**In-app purchases:** none


### CreditU

[App page](https://appshunter.io/ios/app/creditu/id1663259146)

This app helps users manage their credit, reduce debt, and optimize their budget with personalized plans. It offers tools for tracking progress, integrating with debt management plans, and ensuring data security.

**Highlights:** Advanced debt analysis, Personalized budget plans, Debt Management Plan integration, Progress monitoring, Credit score tracking, Secure data encryption

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Purchase | $12.99 | per month |

**What reviewers like**

- 🚀 Game changer
- 👍 Outstanding Support
- 👍 Life Savers
- 👍 Great Experience
- 👍 Helping me take my life back

**What reviewers complain about**

- 🐛 Lame
- 🐛 Horrible

**Reported bugs**

- Can't login
- Can't set up app

**Requested features**

- Dark mode option
- Advanced analytics dashboard


## Frequently asked questions

### Is Percapita free?

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

### Is CreditU free?

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

### Which has better reviews, Percapita or CreditU?

CreditU is rated higher. Percapita averages 4.8 out of 5 from 40 ratings, while CreditU averages 4.9 from 991 ratings.

### Do Percapita or CreditU have ads?

Neither Percapita nor CreditU shows ads.

### Which is updated more often, Percapita or CreditU?

Percapita ships an update every 3 weeks, and CreditU fortnightly. Most recently, Percapita was updated on September 23, 2026 and CreditU on September 22, 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.*