Comparison

Finma vs Split2Calc

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

Head to head
About

Finma

This personal finance assistant automates expense tracking through SMS, email, bank connections, and AI-powered PDF/CSV imports. It offers privacy-focused on-device storage, budget alerts, rule-based categorization, and subscription management.

Highlights
  • Automated expense tracking (SMS, email, bank, PDF, CSV)
  • Privacy-first on-device data storage
  • Unlimited transactions and budgets in free tier
  • Budget alerts and rule-based auto-categorization
  • Subscription tracking and payment reminders
  • Interactive charts and visual filtering
  • Cash flow analysis
Features
Read full description

Finma short for finance manager, is your personal finance assistant that helps you track & plan all your expenses in one place.  Built with the primary goal of automating your expenses, Finma is the only app on the App Store which supports all of the following ways to automate expenses: - SMS Automation - Email Sync - Direct bank connection via Plaid - AI PDF import - AI CSV import Features: - Privacy First Finma stores all your financial data locally on-device. Not even we have access to your transactions. - Generous Free Tier The free tier allows you to create unlimited transaction entries, unlimited budgets and unlimited rules. Track up to 3 subscriptions for free. - Budget Alerts Say goodbye to overspending on your gadget addiction. Set category wise budgets and get alerted when they cross a set threshold. - Rule Based Auto-Categorization Finma uses rules for automatic categorisation of transactions. A rule can either be a simple text that matches any text within the transaction description or for more advanced users a regex to match pattern. - Subscription Tracking A beautiful calendar view shows all your recurring transactions at a glance. Keep your subscriptions in check and manage them efficiently. - Payment Reminders Track upcoming dues for all your cards and get reminded to clear them on time. Set custom reminders to get reminded up to a week in advance. - Visual Filtering Find the transactions you need even faster with a visual approach in Finma. Suppose you need to see all the restaurant spends you did in month of Feb. Simply select Restaurants from the categories bar followed by tapping Feb bar in graph. - Interactive Charts All charts and graphs in Finma are interactive. Example: You want to find out how much you spent on restaurants and shopping combined in Feb. Select Shopping and then Restaurants from the categories bar followed by tapping Feb bar in graph. - Cash Flow Know your overall financial health with just 1 glance. Easily understand how your income and investments compare on an average within a period. The cash flow widget allows you to quickly skim through previous months to get better clarity on past health and helps to plan better. - PDF Import Import transactions in bulk by importing PDF statements or using the built-in image scan feature to scan documents and receipts. - Email Sync Import transactions automatically from emails. If your bank sends you transaction emails, Finma will try to parse them and generate transactions automatically. - SMS Sync Import transactions automatically from SMS using Shortcuts automation. If your bank sends you transaction alerts on SMS, Finma will try to parse them and generate transactions automatically. - Direct Bank Sync We have partnered with Plaid to support all major banks across US and Canada. Bank data is synced directly to device, we do not store any personal user data on our servers. --- What's completely free: - Unlimited transactions - Unlimited rules - Unlimited budgets - Track up to 3 subscriptions - Payment reminders - Budget alerts - Interactive charts and filters The following features require purchasing Premium subscription: - Direct bank sync using Plaid (US & Canada only) - AI related tasks such as document scanning, sms & email parsing - Adding more than 1 account - Custom categories - Custom app icons --- Have questions or need help? Email us at support@finma.money Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Split2Calc

Features
Read full description

In order to use AI feature additional subscription is required for it. Our plans are flexible and based on your needs. Smart Bill Splitting: No more confusion or awkward moments when it comes to splitting bills. With this application you can easily divide expenses among friends, roommates, or colleagues in just a few taps. Input the total bill amount, specify the number of people, and let the application handle the rest, ensuring everyone pays their fair share. Accurate Tip Calculations: Never struggle with tip percentages again! Whether you're dining out, grabbing coffee, or enjoying a night on the town, the application helps you calculate tips effortlessly. Customize the tip percentage based on your preference, and watch as the app provides instant and accurate tip amounts for an stress-free payment experience. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Finma4 screens
Split2Calc4 screens

Verdict

The call

The clearest difference is update cadence: Split2Calc at every 4 days against Finma's every 2 weeks. On price, ads, in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Finma sells 7 in-app purchases, starting at $1.99 per 7 days and Split2Calc sells 3 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Finma ships an update every 2 weeks, Split2Calc every 4 days. The most recent releases landed on October 18, 2026 and October 10, 2026 respectively.

Scorecard1 real difference · 9 level
Finma versus Split2Calc: the parameters behind the verdict, then further details
ParameterFinmaSplit2Calc
PriceFreeFree
Rating4.6 (44 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings44 — better—
Update frequencyEvery 2 weeksEvery 4 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhoneiPhone, iPad — better
Requires iOS17.017.0
Further details — not scored
Size137 MB21 MB
Age rating4+17+
DeveloperTanmay SonawaneHRISTO STANKOV STANKOV

In-app purchases

7 purchases

Finma

Subscriptions5
  • Premium Weekly Plan3 Days trial$1.997 Days
  • Premium Monthly Plan3 Days trial$4.991 Month
  • Premium Yearly Plan$14.991 Year
Show 2 more
  • Premium Yearly Plan3 Days trial$49.991 Year
  • Premium Yearly Plan (Family)3 Days trial$99.991 Year
One-time2
  • Premium Lifetime Plan$149.99
  • Premium Lifetime Plan (Family)$199.99
3 purchases

Split2Calc

Subscriptions3
  • Try-and-Go$0.997 Days
  • Pay-As-You-Go$3.991 Month
  • Annual Saver$29.991 Year

Questions

Is Finma free?
Finma is free to download, with in-app purchases available.
Is Split2Calc free?
Split2Calc is free to download, with in-app purchases available.
Do Finma or Split2Calc have ads?
Neither Finma nor Split2Calc shows ads.
Which is updated more often, Finma or Split2Calc?
Finma ships an update every 2 weeks, and Split2Calc every 4 days. Most recently, Finma was updated on October 18, 2026 and Split2Calc on October 10, 2026.

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