Comparison

Coins vs Home Finances

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

Head to head
About

Coins

Effortlessly manage your personal finances by quickly logging expenses and income. Understand your spending habits with insightful reports and stay within budget with smart alerts. Automate tracking and personalize your experience with advanced features.

Highlights
  • Fast expense and income logging
  • Home screen widgets for at-a-glance finance overview
  • Insightful budget reports and alerts
  • Smart transaction suggestions
  • iOS Shortcuts integration for automation
  • iCloud sync for cross-device access
  • Privacy-focused data storage
Features
Read full description

Free to use forever, with advanced features available through a Pro subscription. Coins is the simple, smart expense tracker that makes personal finance effortless — on iPhone, iPad, and Mac. Quickly log expenses and income, stay on top of your budget, and understand exactly where your money goes. Whether you want to save more, control daily spending, or track income, Coins is the budgeting app that fits into your life in just 30 seconds a day. Key Features • Fast & Easy Expense Tracking Log expenses or income in seconds. Just enter an amount—no complicated setup. Built-in calculator makes it easy to add up receipts on the fly. • Pull-to-Add Gesture Pull down on the home screen of your iPhone to instantly add a transaction — keep holding and move your finger left or right to pick yesterday or tomorrow. • Beautiful Home Screen Widgets Stay on top of your finances at a glance with stunning widgets right on your home screen. See your budget progress and recent spending without opening the app. • Beautiful Budget Reports See your spending at a glance with clear, insightful charts. Set monthly budgets and get alerts before overspending. • Financial Health Score Get a monthly score across savings, essentials, budgeting, and stability, with a clear breakdown and a personalized tip each month to help you improve. • Custom Month Start Day Set which day your budgeting month begins so it matches your pay cycle. • Smart Transaction Suggestions Coins remembers your frequent transactions so you can add new ones with just two taps. • iOS Shortcuts Integration Automate your money tracking! Use the Shortcuts app to add expenses or income hands-free—perfect for quick logging with Siri or custom workflows. • Sync with iCloud Access your data seamlessly across iPhone, iPad, and Mac. Always private, always secure. • Apple Watch App Log expenses and income from your wrist in seconds, with one-tap suggestions and complications for your budget, spending, income and Financial Health. • Native Mac App Enjoy the full Coins experience on macOS with a beautiful three-column layout, keyboard shortcuts, and desktop-optimized interactions. • Made for iPhone Duo Enjoy Coins on both the folded and unfolded displays of iPhone Duo. • Privacy First Your data stays on your device and your iCloud. Add a PIN for extra protection. Go Pro to Unlock More • Financial Forecast – Predict your future spending and income based on your history. • Retire Planner – Map out your retirement on an interactive timeline and instantly see how long your savings will last. • Multi-Currency Support – Ideal for travel and international expenses. • Receipt Scanning – Snap a photo or pick from your library and let AI auto-fill your transactions. • Repeat Transactions – Automate recurring bills and income. • Background Themes – Personalize your home screen with beautiful animated backgrounds. Coins is your simple budgeting companion—helping you save money, track spending, and stay in control of your finances with ease. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Home Finances

Features
Read full description

Home Finances is the simplest way to run the bills of a household — made for couples and families who split what they pay. HOW IT WORKS 1. Create your house and add the people in it 2. Add the recurring bills: rent, power, internet 3. Set what each person pays — a fixed amount, a percentage, or an even split 4. Follow the summary: what comes in, what goes out, what is left WHAT IT DOES Smart splitting. Fill in one person's share and the rest adjust themselves. Import a sheet. Photograph a spreadsheet, or hand over a file, and the bills are read off it. Every row is shown for checking before anything is saved. A summary worth reading. Income, spending, what remains, and how much of the household's pay is already committed. Choose which cards you see, as a list or as a chart. Share the house. Invite whoever you live with. You both see and edit the same bills, and each of you can be told when the other changes something. Privacy mode. One tap hides every figure when somebody reads over your shoulder. Your data stays in your own private account and never reaches our servers. Backups. A copy is kept for you each day, and you can export a spreadsheet or a full backup whenever you like. 22 currencies, switchable at any time. FREE AND PREMIUM Free: one house, two people, and everything essential. Premium: unlimited houses and people, spreadsheet export, custom categories, backup import, and no ads. No sign-up and no account to create. Open it, see what is left, and get on with your life. Premium is an auto-renewing subscription. Payment is charged on confirmation, and it renews unless cancelled at least 24 hours before the period ends. Manage or cancel it in your account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Coins4 screens
Home Finances4 screens

Verdict

The call

The clearest difference is in-app purchases: Home Finances at none against Coins's 6. Home Finances also leads on iOS requirement (17.0 vs 26.0). Coins's advantage is device support (4 vs 2). On price, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Coins sells 6 in-app purchases, starting at $0.99 per month. Home Finances asks for nothing beyond the download.

UpkeepUpdate frequency

Coins ships an update every 2 weeks, Home Finances every 6 days. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.

Scorecard3 real differences · 7 level
Coins versus Home Finances: the parameters behind the verdict, then further details
ParameterCoinsHome Finances
PriceFreeFree
Rating4.6 (662 ratings) — better—
Positive reviews81.3% of reviews—
Number of ratings662 — better—
Update frequencyEvery 2 weeksEvery 6 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone, Apple Watch
Requires iOS26.017.0 — better
Further details — not scored
Size45 MB31 MB
Age rating4+4+
DeveloperYuzhou ZhuBruno Goncalves

Bugs and requests

Coins

Reported bugs

4 issues
  • App crashing on launch after updates
  • Losing all expense data after updates
  • Incorrect date display on expense entries
  • Inability to add expenses to future dates

Requested features

7 requests
  • Add ability to edit and delete entries
  • Implement recurring expense tracking
  • Allow multiple account support
  • Provide budgeting and analytics features
  • Add option to change currency
Show 2 more
  • Implement iCloud or cloud sync
  • Add option to attach receipts to expenses

Home Finances

Not enough reviews yet to summarise bugs or requests.

In-app purchases

6 purchases

Coins

Subscriptions2
  • Monthly$0.991 Month
  • Yearly$9.991 Year
One-time4
  • Yarn Ball of Gratitude$0.99
  • Teaser Wand of Joy$1.99
  • Fish Can of Appreciation$4.99
Show 1 more
  • Cat Tree of Honor$8.99
None

Home Finances

No in-app purchases

Questions

Is Coins free?
Coins is free to download, with in-app purchases available.
Is Home Finances free?
Home Finances is free to download, with no in-app purchases.
Do Coins or Home Finances have ads?
Neither Coins nor Home Finances shows ads.
Which is updated more often, Coins or Home Finances?
Coins ships an update every 2 weeks, and Home Finances every 6 days. Most recently, Coins was updated on November 1, 2026 and Home Finances on October 30, 2026.

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