Waya vs Spendulum
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Waya
Get investment advice for high-growth stocks based on predictive models and back-tested algorithms. Discover stock recommendations with potential for significant returns, short-selling ideas, and market trends. Understand stock market concepts with engaging content and seamlessly execute trades through integrated brokers.
- Stock recommendations with 10% return expectation
- Multibagger portfolio for 3x-5x returns
- Short selling trade ideas
- Market and sectoral trends
- Key fundamental stock parameters
- Integrated with 16 top brokers
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Introducing investment advisory for high-octane stocks. Investment advice is based on predictive models over years of back-tested algos Features: 1. Recommendation of stocks with expectation to give 10% returns within 30 days 2. Multibagger portfolio for 3x to 5x returns 3. Short selling trade ideas when the stock is expected to go down 4. Current Market and Sectoral trends 5. Display of key fundamental parameters of any stock 6. Delightful content for easy understanding of stock market concepts 7. Integrated with top 16 brokers for easy buy and sell This app comes with In App Purchase - • Auto-renewable subscription • Quarterly Plan - 3 months (₹ 1299) and Yearly Plan - 12 months (₹ 2499) • Your subscription will be charged to your iTunes account at confirmation of purchase and will automatically renew (at the duration selected) unless auto-renew is turned off at least 24 hours before the end of the current period. • Current subscription may not be cancelled during the active subscription period; however, you can manage your subscription and/or turn off auto-renewal by visiting your iTunes Account Settings after purchase. Download now and revolutionize your investment journey with us. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Spendulum
Track your income and expenses privately on your iPhone. This app offers detailed overviews, category breakdowns, and insights into your spending habits. Utilize AI for quick transaction entry from text or receipts, with optional iCloud sync.
- AI-powered transaction entry
- Receipt scanning with OCR
- On-device AI assistant
- Monthly net balance overview
- Category spending breakdown
- Multi-currency support
- Optional iCloud sync
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Spendulum is a simple, private income and expense tracker for iPhone. Built with SwiftUI and SwiftData, everything stays on your device — with optional iCloud sync across your own devices. OVERVIEW • Monthly net balance at a glance • Income and expense flows for the selected month • “Where it went” category breakdown • Recent activity and month-to-month navigation ACTIVITY • Every entry grouped by day • Search by title, category, or subcategory • Filter by income, expense, month or year • Swipe to delete, tap to edit INSIGHTS • 6-month income vs expense bar chart • Per-category spending donut for any month • Drill into subcategories and individual transactions • Use AI assistant to get insights from your data ADD & EDIT • Type, amount, date, category (icon grid), subcategory (icon grid), and note • Attach receipt photos, screenshots, or files • Multi-currency: enter in any favorite currency; summaries convert using live rates • Lock in the exchange rate when you add a transaction so history stays accurate AI QUICK ADD (on-device) • Type or dictate a sentence and get a structured transaction draft • Scan a receipt or payment screenshot — OCR + on-device AI extract title, amount, type, and category • Photo is attached to the new entry • Uses Apple’s on-device models where available; no account or subscription required for AI features SIRI & SHORTCUTS • “Add an expense in Spendulum” • “Scan a receipt in Spendulum” • Share a screenshot or photo into a Shortcut that runs Spendulum’s Add from Photo intent CATEGORIES & SETTINGS • Full category and subcategory management (icons and colors) • Choose display currency and manage your shortlist of favorites • Theme color and light / dark / system appearance • Load sample data to explore, or wipe transactions when you want a clean slate PRIVACY • Local SwiftData store • Optional private CloudKit sync (your iCloud account only) • Camera, microphone, and speech recognition only when you use those features • No third-party analytics or accounts required Requirements: iOS 17 or later. On-device AI Quick Add needs an Apple Intelligence–eligible device running a supported OS version.
Screenshots
Verdict
The clearest difference is price: Waya at Free against Spendulum's $1.99. Waya also leads on iOS requirement (13.0 vs 17.0). Spendulum's advantage is review sentiment (100% vs 59%) and in-app purchases (none vs 1). On ads and device support 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
Waya is free to download; Spendulum costs $1.99 up front. Waya sells 1 in-app purchase, starting at $17.99 per month. Spendulum asks for nothing beyond the download.
Waya ships an update monthly, Spendulum every 3 days. The most recent releases landed on October 16, 2026 and October 8, 2026 respectively.
| Parameter | Waya | Spendulum |
|---|---|---|
| Price | Free — better | $1.99 |
| Rating | 5.0 (1 ratings) — better | — |
| Positive reviews | 59.1% of reviews | 100.0% of reviews — better |
| Number of ratings | 1 — better | — |
| Update frequency | Monthly | Every 3 days — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Subscription | Paid — better |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 13.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 64 MB | 3 MB |
| Age rating | 4+ | 4+ |
| Developer | Waya Financial Technologies Private Limited | Srivatsa Kulkarni |
Customer experience
Waya
Spendulum
In-app purchases
Waya
- Monthly Subscription$17.991 Month
Spendulum
No in-app purchases









