# Fineyo vs WhoPays AI

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.

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.

## The numbers

| Metric | Fineyo | WhoPays AI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (11 ratings)](https://appshunter.io/ios/app/fineyo-expense-tracker/id1663166940/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/whopays-ai-group-expenses/id6748323038/reviews) |
| Number of ratings | **11** | 1 |
| Positive reviews | 80.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 4 days** | Weekly |
| Monetization | Freemium | Free with in-app purchases |
| Size | 102 MB | 35 MB |
| Requires iOS | 16.4 | **14.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Deniss Dubinins](https://appshunter.io/developer/1663166942) | [Volodymyr Bilous](https://appshunter.io/developer/1825186178) |

## What reviewers say

### Fineyo

[App page](https://appshunter.io/ios/app/fineyo-expense-tracker/id1663166940)

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:** Family Sharing, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium | $3.99 | per month |
| Annual Premium | $24.99 | per year |
| Lifetime | $34.99 | one-time |


### WhoPays AI

[App page](https://appshunter.io/ios/app/whopays-ai-group-expenses/id6748323038)

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.

**Highlights:** Group and participant management, Flexible expense splitting, AI receipt scanning, AI voice input for expenses, Real-time balances, Cross-platform sync, Multi-currency support

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Week | $1.99 | per 7 days |
| 1 Month | $3.99 | per month |
| 1 Year | $24.99 | per year |


## Frequently asked questions

### Is Fineyo free?

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

### Is WhoPays AI free?

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

### Which has better reviews, Fineyo or WhoPays AI?

Fineyo and WhoPays AI are both rated 5.0 out of 5 on the App Store, from 11 and 1 ratings respectively.

### Do Fineyo or WhoPays AI have ads?

Neither Fineyo nor WhoPays AI shows ads.

### Which is updated more often, Fineyo or WhoPays AI?

Fineyo ships an update every 4 days, and WhoPays AI weekly. Most recently, Fineyo was updated on September 12, 2026 and WhoPays AI on August 1, 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.*