Comparison

MONIAC vs Fineyo

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

Head to head
About

MONIAC

Effortlessly manage your money with this intuitive expense tracking app. Record and categorize spending, sync data across devices, and personalize categories for a clear financial overview. Achieve your financial goals with a user-friendly design.

Highlights
  • Expense tracking
  • Secure data synchronization
  • Customizable categories
  • User-friendly interface
  • Add attachments to records (Premium)
  • Ad-free experience (Premium)
Features
Read full description

Take control of your finances with MONIAC, the all-in-one expense tracking app. With its user-friendly interface and powerful features, MONIAC simplifies the process of managing your money. Key Features: - Track expenses effortlessly:  Record your expenses on the go and categorize them for easy organization. - Secure data synchronisation: Keep all your devices in sync and never lose your data. - Customizable categories: Personalize your expense categories to match your unique financial needs. - User-friendly interface: Navigate through MONIAC effortlessly with its intuitive and sleek design. Whether you're a business professional, a student, or simply looking to manage your personal finances, MONIAC is the perfect tool to stay on top of your expenses. Start tracking your money and achieving your financial goals today. MONIAC Premium: - Add attachments to all types of records: expenses, transfers, top ups, receipts - Get access to Premium features without watchings ads - Support developers, so more features will come Price may vary by location. Subscriptions will be charged to your credit/debit card through your Apple account. Your subscription will automatically renew unless canceled before the end of the current period. Manage your subscriptions in Account Settings after purchase. Check our Terms - https://doc-hosting.flycricket.io/moniac-terms-of-use/ea7f9fa7-51c6-4416-869a-7e18314c6949/terms Note: MONIAC is available in multiple languages for a seamless user experience.

About

Fineyo

Effortlessly manage your finances with a powerful yet simple expense tracker. Log spending, create budgets, and gain clear insights into your financial habits. Designed for clarity and ease of use, it helps you build better financial habits.

Highlights
  • Expense & Income Tracker
  • Budget Planner
  • Spending Insights & Charts
  • Custom Categories
  • iCloud Sync
  • Offline Mode
Features
Read full description

A simple, private expense tracker. Log spending in seconds by typing, speaking or asking Siri, set budgets that keep you on track and see exactly where your money goes. No bank login needed. JUST SAY IT Say "Coffee 4.50 and groceries 32 today" and Fineyo AI turns it into transactions with the right categories and accounts. It runs on your iPhone with Apple Intelligence, so what you say never leaves your device. ASK SIRI ABOUT YOUR MONEY "How much did I spend on groceries last month?" "How much is left in my budget?" "What's my net worth?" Siri answers with your real numbers and can add an expense or income hands-free. Works in Spotlight and Shortcuts too. EXPENSES THAT LOG THEMSELVES Ready-made Shortcuts automations record your Apple Pay payments and bank notifications for you, and can save where you paid. Press the Action button or tap the back of your iPhone to add a transaction from anywhere. POWERFUL WIDGETS AND APPLE WATCH Keep balances, budgets, top categories, recent and upcoming transactions on your Home Screen, Lock Screen and in the Smart Stack. Add an expense straight from Control Center. The Apple Watch app with complications puts today's spending and your budgets on your wrist. SHARED SPACES, WHEN YOU NEED THEM Managing money with a partner, family or roommates? Create a shared space and invite them with a link. Everyone adds expenses from their own iPhone, sees the same budgets and knows who added what. Your Personal space stays separate. SEE WHERE YOUR MONEY GOES One clean dashboard for all your accounts: bank, cards and cash. Charts show trends and your biggest categories, and the spending map shows where you spend. On the 1st of each month, a report tells you what went well, what needs attention and how to do better. An evening summary recaps what you spent today. BUDGETS AND BILLS UNDER CONTROL Set limits per category and get a gentle heads-up when you get close. Recurring transactions add subscriptions and bills automatically, with a reminder the day before each one. No guilt, no surprises. ALL FEATURES - Expense and income tracking - Voice input with Fineyo AI (Apple Intelligence) - Siri, Spotlight and Shortcuts actions - Apple Pay and bank notification automations - Home Screen, Lock Screen and Control Center widgets - Apple Watch app with complications - Category budgets with alerts - Monthly reports and daily summary - Spending charts and spending map - Recurring transactions with reminders - Receipt photos - Multiple accounts: bank, cards, cash - Shared spaces with family or roommates - Multi-currency with travel currency and daily exchange rates - Custom categories with icons and emoji - Search, filters and CSV export - iCloud sync across your iPhone and iPad - Works offline - Dark mode, theme colors and custom app icons PRIVATE BY DESIGN No bank login needed. Your data lives on your devices and in your own iCloud, not on our servers. Fineyo AI runs on your device too. FINEYO PRO Fineyo is free to start. Pro unlocks unlimited categories, budgets, accounts and recurring transactions, iCloud sync, shared spaces, Siri insights, monthly reports, the spending map, receipt photos, all widgets, Apple Watch charts, themes and app icons. Pro works with Family Sharing, so one subscription covers your family. Whether you're saving for a trip, building an emergency fund or just trying to stop overspending, Fineyo helps you build better money habits. Terms of Use https://fineyo.app/terms-of-use Privacy Policy https://fineyo.app/privacy-policy

Screenshots

MONIAC4 screens
Fineyo4 screens

Verdict

The call

The clearest difference is update cadence: Fineyo at every 4 days against MONIAC's every 2 weeks. Fineyo also leads on ratings volume (12 vs 4). MONIAC's advantage is review sentiment (100% vs 81%). On price, rating, ads 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. MONIAC sells 4 in-app purchases, starting at $0.99 per 7 days and Fineyo sells 4 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for MONIAC against 5.0 for Fineyo. Both are backed by a comparable volume of ratings — 4 and 12 respectively. Written reviews are what separate them: 100% of MONIAC's written reviews are positive against 81% of Fineyo's.

UpkeepUpdate frequency

MONIAC ships an update every 2 weeks, Fineyo every 4 days. Both last shipped on November 3, 2026.

Scorecard3 real differences · 7 level
MONIAC versus Fineyo: the parameters behind the verdict, then further details
ParameterMONIACFineyo
PriceFreeFree
Rating5.0 (4 ratings)5.0 (12 ratings)
Positive reviews100.0% of reviews — better81.3% of reviews
Number of ratings412 — better
Update frequencyEvery 2 weeksEvery 4 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPod, Apple Watch — betteriPhone, Apple Watch
Requires iOS15.0 — better16.4
Further details — not scored
Size32 MB164 MB
Age rating4+4+
DeveloperOleksandr OrlovDeniss Dubinins

Customer experience

MONIAC

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Fineyo

All ratings12 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews16 reviews
Positive81.3%
Neutral0.0%
Negative18.8%

In-app purchases

4 purchases

MONIAC

Subscriptions3
  • Weekly Premium Subscription$0.997 Days
  • Monthly Premium Subscription$1.991 Month
  • Annual Premium Subscription$12.991 Year
One-time1
  • Lifetime Premium$24.99
4 purchases

Fineyo

Subscriptions3
  • Weekly3 Days trial$0.997 Days
  • Monthly Premium3 Days trial$3.991 Month
  • Annual Premium7 Days trial$24.991 Year
One-time1
  • Lifetime$44.99

Questions

Is MONIAC free?
MONIAC is free to download, with in-app purchases available.
Is Fineyo free?
Fineyo is free to download, with in-app purchases available.
Which has better reviews, MONIAC or Fineyo?
MONIAC and Fineyo are both rated 5.0 out of 5 on the App Store, from 4 and 12 ratings respectively.
Do MONIAC or Fineyo have ads?
Neither MONIAC nor Fineyo shows ads.
Which is updated more often, MONIAC or Fineyo?
MONIAC ships an update every 2 weeks, and Fineyo every 4 days. Most recently, MONIAC was updated on November 3, 2026 and Fineyo on November 3, 2026.

Other comparisons