# KinLocker vs Palmo

The clearest difference is rating: Palmo at 5.0 against KinLocker's 4.0. Palmo also leads on ads (none vs shown). KinLocker's advantage is in-app purchases (none vs 3) and update cadence (every 5 weeks vs every 2 months). On price, ratings volume and device support there is nothing between them.

Both are free to download. Palmo sells 3 in-app purchases, starting at $3.99 per month. KinLocker asks for nothing beyond the download.

Palmo holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 4 and 2 respectively.

KinLocker ships an update every 5 weeks, Palmo every 2 months. The most recent releases landed on September 8, 2026 and July 25, 2026 respectively.

## The numbers

| Metric | KinLocker | Palmo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (4 ratings)](https://appshunter.io/ios/app/kinlocker/id1627398239/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/palmo-paycheck-budget-tracker/id6443496808/reviews)** |
| Number of ratings | **4** | 2 |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Ad-supported | **Free** |
| Size | 114 MB | 14 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 12+ | 4+ |
| Developer | [Finlocker LLC](https://appshunter.io/developer/1357188723) | [JLApp LLC](https://appshunter.io/developer/1071114569) |

## What reviewers say

### KinLocker

[App page](https://appshunter.io/ios/app/kinlocker/id1627398239)

This financial assistant helps you manage your money, track spending, and improve your credit score. It also assists in preparing for homeownership by offering tools for down payment planning, debt management, and property searches.

**Highlights:** Financial dashboard with balances, net worth, and spending analysis, Budget tracking with category drill-down and alerts, Free credit score, report, and monitoring (soft pull), Homeownership preparation tools (down payment, DTI, reserves), Real estate listing search and saving, Secure financial account management

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

**In-app purchases:** none


### Palmo

[App page](https://appshunter.io/ios/app/palmo-paycheck-budget-tracker/id6443496808)

Manage your money effortlessly with this comprehensive finance app. Track spending, bills, and transactions all in one place. Designed for ease of use, it's perfect for beginners and experienced budgeters alike to achieve financial goals.

**Highlights:** Consolidate financial information, Track spending habits, Manage bills and payments, Monitor transactions, User-friendly interface

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Palmo Pro — Monthly | $3.99 | per month |
| Palmo Pro — Annual | $24.99 | per year |
| Palmo Pro — Lifetime | $39.99 | one-time |


## Frequently asked questions

### Is KinLocker free?

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

### Is Palmo free?

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

### Which has better reviews, KinLocker or Palmo?

Palmo is rated higher. KinLocker averages 4.0 out of 5 from 4 ratings, while Palmo averages 5.0 from 2 ratings.

### Do KinLocker or Palmo have ads?

KinLocker shows ads; Palmo does not.

### Which is updated more often, KinLocker or Palmo?

KinLocker ships an update every 5 weeks, and Palmo every 2 months. Most recently, KinLocker was updated on September 8, 2026 and Palmo on July 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.*