Fineyo vs WhoPays AI
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Expense & Income Tracker
- Budget Planner
- Spending Insights & Charts
- Custom Categories
- iCloud Sync
- Offline Mode
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Take control of your money with a simple, powerful expense tracker. Track spending, set budgets, and see exactly where your money goes. No clutter. No overwhelm. Just clarity. Managing subscriptions, multiple accounts, and daily expenses should not feel overwhelming. Fineyo helps you track spending, set budgets, and understand your financial habits in seconds. Whether you are saving for travel, building an emergency fund, or simply trying to stop overspending, Fineyo makes personal finance clear and effortless. TRACK EXPENSES IN SECONDS Add expenses or income instantly. No complicated forms. No unnecessary steps. Just fast, intuitive money tracking. Perfect for daily expense tracking, subscription management, and quick budget logging. SEE WHERE YOUR MONEY GOES Get a complete overview of your finances in one clean dashboard. Categorize transactions, review spending history, and stay organized with a minimalist interface designed for clarity. Fineyo works as your personal money manager and spending tracker. VISUAL CHARTS & INSIGHTS Understand your financial habits at a glance. Analyze trends, monitor monthly spending, and identify areas to improve with clear and modern charts. Data becomes insight. Insight becomes smarter decisions. SMART BUDGETING MADE SIMPLE Create category budgets and set spending limits. Receive gentle reminders when you are approaching your limit so you stay in control without stress. Budgeting should guide you, not pressure you. KEY FEATURES • Expense & Income Tracker • Budget Planner for specific categories • Spending Insights & Charts • Custom Categories with Emojis • iCloud Sync Across Devices • Apple Pay Transaction Import • Multi-Currency Support • Powerful Search & Filters • Dark Mode • Offline Mode - Track anytime Fineyo is built for people who want a clean, distraction-free budgeting app without complexity. If you are looking for: • an expense tracker • a budget app • a money manager • a spending tracker • a personal finance app Fineyo brings it all together in one beautifully simple experience. Start tracking your expenses today and build better financial habits with confidence. Terms of Use https://fineyo.app/terms-of-use.html Privacy Policy https://fineyo.app/privacy-policy.html
WhoPays AI
Effortlessly manage shared expenses with friends, roommates, or travel groups. Features AI-powered receipt scanning and voice input to simplify tracking, calculating balances, and settling debts transparently.
- Group and participant management
- Flexible expense splitting
- AI receipt scanning
- AI voice input for expenses
- Real-time balances
- Cross-platform sync
- Multi-currency support
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WhoPays makes sharing money with friends, roommates, couples, or travel groups effortless and fair. Whether it’s a weekend trip, household costs, dinner, or any shared expense—stop doing mental math and let WhoPays handle the rest. Key Features: - Group & Participant Management: Create groups for trips, apartments, events, or couples. Invite others via link or email and manage members easily. - Flexible Expense Tracking: Add, edit, and delete expenses with descriptions, receipts/photos, and notes. Split equally, by share, percentage, or custom amounts. - Currencies Support: Use 150+ currencies. Set a group currency and create expenses, view balances, and settle up in any currency. - AI Receipt Scanner: Snap a photo of a receipt and automatically capture line items and currency. - AI Assistant: Record a voice message and let WhoPays recognize the category, name, date, currency, payer, and each participant’s amounts. - Real-Time Balances: See who owes whom instantly; balances update across devices so everyone stays in sync. - Settle Up Smoothly: Mark payments, settle debts, and close out balances with clarity—no more awkward IOUs. - Detailed Summary & Reports: Categorize expenses, view totals per person or category, and get clear breakdowns so you know where the money went. - Detailed History: View a clear history of all expenses, edits, and settlements for each group so you always know who added what and when. - Invite & Share: Share the group with friends via a link; join with minimal friction. - Cross-Platform Sync: Use WhoPays on iOS and web - everything stays consistent whether you’re on your phone or desktop. - Notifications: Remind group members about unsettled balances or new expenses. - Attachments: Attach photos or files to expenses (e.g., receipts) for transparency. Why WhoPays? No more guessing, awkward paybacks, or lost receipts. WhoPays is built for real people sharing real costs — simple, transparent, and fair. Use Cases: - Split trip costs among travelers - Share rent and utilities with roommates - Track a couple or family expenses - Settle group dinners, gifts, events - Manage shared project or hobby spending Use AI-powered receipt scanning and voice input to speed up all of these scenarios, so your group can focus on the fun — not the math. Getting Started: - Create a group. - Invite members. - Log expenses. - See balances and settle up. Download WhoPays and take the stress out of shared money. Terms of Use: https://who-pays.com/terms
Screenshots
Verdict
The clearest difference is ratings volume: Fineyo at 11 against WhoPays AI's 1. WhoPays AI's advantage is device support (3 vs 1) and iOS requirement (14.0 vs 16.4). On price, rating, update cadence and ads 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
Both are free to download. Fineyo sells 3 in-app purchases, starting at $3.99 per month and WhoPays AI sells 3 in-app purchases, starting at $1.99 per 7 days. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 5.0 for Fineyo against 5.0 for WhoPays AI. That said, the two scores are not equally well evidenced: Fineyo has 11 ratings behind it against 1, so its average is the more settled of the two.
Fineyo ships an update every 4 days, WhoPays AI weekly. The most recent releases landed on September 12, 2026 and August 1, 2026 respectively.
| Parameter | Fineyo | WhoPays AI |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (11 ratings) | 5.0 (1 ratings) |
| Positive reviews | 80.0% of reviews | — |
| Number of ratings | 11 — better | 1 |
| Update frequency | Every 4 days — better | Weekly |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.4 | 14.0 — better |
| Further details — not scored | ||
| Size | 102 MB | 35 MB |
| Age rating | 4+ | 4+ |
| Developer | Deniss Dubinins | Volodymyr Bilous |
Customer experience
Fineyo
WhoPays AI
In-app purchases
Fineyo
- Monthly Premium3 Days trial$3.991 Month
- Annual Premium7 Days trial$24.991 Year
- Lifetime$34.99
WhoPays AI
- 1 Week3 Days trial$1.997 Days
- 1 Month3 Days trial$3.991 Month
- 1 Year3 Days trial$24.991 Year








