# BudgetPlnr vs Smart Pension

The clearest difference is in-app purchases: Smart Pension at none against BudgetPlnr's 3. Smart Pension also leads on ads (none vs shown) and ratings volume (6 vs 1). BudgetPlnr's advantage is iOS requirement (15.0 vs 17.0). On price, rating, review sentiment and update cadence there is nothing between them.

Both are free to download. BudgetPlnr sells 3 in-app purchases, starting at $1.99 per month. Smart Pension asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for BudgetPlnr against 5.0 for Smart Pension. That said, the two scores are not equally well evidenced: Smart Pension has 6 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 36% of BudgetPlnr's written reviews are positive against 29% of Smart Pension's.

BudgetPlnr ships an update every 2 weeks, Smart Pension every 5 weeks. The most recent releases landed on October 15, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | BudgetPlnr | Smart Pension |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/budgetplnr/id590508709/reviews) | [5.0 (6 ratings)](https://appshunter.io/ios/app/smart-pension/id1293678839/reviews) |
| Number of ratings | 1 | **6** |
| Positive reviews | **36.5% of reviews** | 28.9% of reviews |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 5 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 174 MB | 88 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [ASJ IT Solutions Ltd](https://appshunter.io/developer/541441924) | [Smart Pension Limited](https://appshunter.io/developer/1293678838) |

## What reviewers say

### BudgetPlnr

[App page](https://appshunter.io/ios/app/budgetplnr/id590508709)

Manage your personal finances with this app that forecasts your bank balance over time. Input income, bills, and expenses to see future financial projections and receive overdraft warnings. Plan for purchases and easily update your budget.

**Highlights:** Forecast bank balance over months, Input income, bills, and expenses, Automatic recurring expense calculation, Overdraft warnings (amber/red), Plan for future purchases, Monthly income/outgoings summary

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Pro Subscription | $1.99 | per month |
| Annual Pro Subscription | $5.99 | per year |
| No Adverts | $1.99 | one-time |


### Smart Pension

[App page](https://appshunter.io/ios/app/smart-pension/id1293678839)

Manage your workplace pension savings with ease. Track your fund's performance in real-time, adjust contributions, and explore investment options. Access exclusive discounts and customer support directly from your phone.

**Highlights:** Real-time pension balance tracking, Investment fund selection, Contribution level adjustments, Enhanced security features (Face ID, Touch ID), Access to exclusive discounts, Live chat customer support

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 💡 Pension calculator helpful
- 📈 Up-to-date values
- 📱 Convenient mobile access
- 💻 Can do same as computer

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐛 App not loading
- 🐛 Login issues
- 🐛 App freezes
- 🐛 Basic functionalities not working

**Reported bugs**

- App crashes shortly after launch
- App never lets you update details
- Cannot log into the app after recent update
- App or website will not load
- Stuck on loading screen

**Requested features**

- Show profit or loss on investment
- Receive notification for new contribution
- Improve app design and UI
- Implement in-app form for pension transfers
- Add dark mode


## Frequently asked questions

### Is BudgetPlnr free?

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

### Is Smart Pension free?

Smart Pension is free to download, with no in-app purchases.

### Which has better reviews, BudgetPlnr or Smart Pension?

BudgetPlnr and Smart Pension are both rated 5.0 out of 5 on the App Store, from 1 and 6 ratings respectively.

### Do BudgetPlnr or Smart Pension have ads?

BudgetPlnr shows ads; Smart Pension does not.

### Which is updated more often, BudgetPlnr or Smart Pension?

BudgetPlnr ships an update every 2 weeks, and Smart Pension every 5 weeks. Most recently, BudgetPlnr was updated on October 15, 2026 and Smart Pension on October 18, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*