Comparison

Quartzo vs Financ3

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

Head to head
About

Quartzo

Manage your finances with this intuitive app. Track expenses, organize accounts, and set up recurring payments. Customizable notifications and iCloud backup ensure you stay in control of your money.

Highlights
  • Multiple wallets for account organization
  • Expense categorization
  • Automated recurring transaction recording
  • Customizable expense notifications
  • iCloud backup for data security
  • Home screen widgets for quick viewing and addition
  • Apple Pay transaction recognition integration
Features
Read full description

Quartzo is the simple bill organizer and expense tracker that shows where your money goes, what's due this week and how much you'll have left at the end of the month. Log an expense in seconds and see your balance before it happens. KNOW WHAT'S LEFT • Current and projected balance: see what has already come in and gone out, and what will be left after this period's bills and expected income. • Your month's cash flow and balance in one place, with easy period navigation. • A home screen that fits you: choose which sections appear, and in what order, for each wallet. NEVER MISS A BILL AGAIN • Recurrences and installment plans: set them up once and Quartzo takes care of what comes next. • Pending bills at a glance: see what's overdue and what's due in the coming days, and mark it paid with one tap. • Reminders before the due date and a daily summary of your bills. BUDGETS THAT WARN YOU EARLY • Set limits by category and see how much room is left this month. • Get an alert when a budget is close to its limit or goes over. UNDERSTAND YOUR SPENDING • Monthly and yearly trends, compared with the same period before. • Top categories, notable changes and automatic insights. • Search by name, category, wallet or note, and filter by period, type and amount range. ORGANIZED YOUR WAY • Multiple wallets: checking, credit card, home, travel, business, each with its own balance. • Wallets in other currencies. • Categories with an emoji or a brand logo, which also shows on your transactions. • Attach receipts and invoices with the camera or from your photos. WIDGETS AND LOCK SCREEN • Bills due, Overdue bills, Bills this week and Month overview widgets for your Home Screen and Lock Screen. • Pay a bill right from the widget without opening the app. • This month's bills calendar on your Lock Screen as a Live Activity. • Add an expense or income straight from a widget. SHORTCUTS AND AUTOMATIONS • Apple Pay logs itself: pay with a tap and the expense lands in Quartzo with the amount and the store. • Shortcuts actions to add transactions, check a wallet's balance, see this month's spending and open the bills calendar. • Step-by-step guides in the app get everything set up in under a minute. PRIVATE AND IN SYNC • Your data stays in your iCloud and syncs across iPhone and iPad. • Face ID or Touch ID lock. • No account to create and no bank login required. • Light, dark or automatic theme, with a layout built for iPad too. QUARTZO PRO Unlock the whole app: unlimited wallets, categories and budgets, automatic entries, full trends, reminders and daily summary, Lock Screen calendar, attachments, brand logos, wallets in other currencies and biometric lock. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel them in your Apple Account settings. Download Quartzo and start every month knowing exactly where your money is. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.quartzo.app/privacy.html

About

Financ3

Manage your money with a straightforward personal finance app. Track expenses, set financial goals, and explore investment tools. This ad-free application is designed to simplify your financial life without unnecessary complexity.

Highlights
  • Expense tracking
  • Personal goal setting
  • Investment tools
  • Ad-free experience
  • Simplified financial management
Features
Read full description

Track your expenses, personal goals, and access investment tools! Tired of searching for a straightforward finance app, free of ads, and focused on what matters? You've found it! Financ3 is designed to simplify personal finance and help you manage your money without taking up too much of your time.

Screenshots

Quartzo4 screens
Financ34 screens

Verdict

The call

The clearest difference is price: Quartzo at Free against Financ3's $1.99. Quartzo also leads on update cadence (weekly vs every 3 weeks). Financ3's advantage is in-app purchases (none vs 3) and review sentiment (83% vs 67%). On ads 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

Quartzo is free to download; Financ3 costs $1.99 up front. Quartzo sells 3 in-app purchases, starting at $3.99 per month. Financ3 asks for nothing beyond the download.

UpkeepUpdate frequency

Quartzo ships an update weekly, Financ3 every 3 weeks. The most recent releases landed on October 30, 2026 and October 27, 2026 respectively.

Scorecard6 real differences · 4 level
Quartzo versus Financ3: the parameters behind the verdict, then further details
ParameterQuartzoFinanc3
PriceFree — better$1.99
Rating4.3 (4 ratings) — better—
Positive reviews66.7% of reviews83.3% of reviews — better
Number of ratings4 — better—
Update frequencyWeekly — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium — betterPaid
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.513.4 — better
Further details — not scored
Size43 MB36 MB
Age rating17+4+
DeveloperRafael RamosFinanc3

Customer experience

Quartzo

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews24 reviews
Positive66.7%
Neutral8.3%
Negative25.0%

Financ3

Written reviews6 reviews
Positive83.3%
Neutral16.7%
Negative0.0%

In-app purchases

3 purchases

Quartzo

Subscriptions2
  • Quartzo Pro: Monthly3 Days trial$3.991 Month
  • Quartzo Pro: Annually$14.991 Year
One-time1
  • Quartzo Pro: Lifetime$19.99
None

Financ3

No in-app purchases

Questions

Is Quartzo free?
Quartzo is free to download, with in-app purchases available.
Is Financ3 free?
Financ3 costs $1.99, with no in-app purchases.
Do Quartzo or Financ3 have ads?
Neither Quartzo nor Financ3 shows ads.
Which is updated more often, Quartzo or Financ3?
Quartzo ships an update weekly, and Financ3 every 3 weeks. Most recently, Quartzo was updated on October 30, 2026 and Financ3 on October 27, 2026.

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