Comparison

FAPCO vs Ownspend

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

Head to head
About

FAPCO

Features
Read full description

Get instant access to real-time stock market data with FapcoFinance. Our app offers up-to-the-minute stock quotes, news, and analysis, all in one convenient place. Stay informed about the latest market trends and make informed investment decisions with our comprehensive market data. With customizable watchlists and alerts, you can track the stocks that matter most to you and never miss an important market event. Whether you're a seasoned investor or a newcomer to the market, FapcoFinance is the ultimate tool for staying ahead of the game. Download now and start making smarter investment decisions! احصل على إمكانية الوصول الفوري إلى بيانات سوق الأسهم في الوقت الحقيقي مع فابكو المالي. يقدم تطبيقنا أسعار الأسهم الحية وآخر الأخبار والتحليلات، كل ذلك في مكان واحد مريح. ابق على اطلاع دائم حول أحدث اتجاهات السوق واتخذ قرارات استثمارية مدروسة باستخدام بياناتنا الشاملة للسوق. مع قوائم الأسهم المخصصة والتنبيهات، يمكنك تتبع الأسهم التي تهمك ولا تفوت أي حدث هام في السوق. سواء كنت مستثمرًا متمرسًا أو مبتدئًا في السوق، فإن فابكو المالي هو الأداة الأساسية للبقاء على رأس اللعبة. قم بالتحميل الآن وابدأ في اتخاذ قرارات استثمارية أكثر ذكاءً

About

Ownspend

Features
Read full description

Ownspend is the expense tracker for people who tried budgeting apps and quit. No bank password. No account. No three-hour setup weekend. Open it, tap plus, type what you spent, and watch it fill a spending wheel that's actually worth looking at. In 90 seconds you'll see the one thing you opened the app for: where your money actually goes — not where you think it goes. (Same app, new name: ClearSpend is now Ownspend. Your expenses and your Pro unlock are exactly where you left them.) SEE EVERYTHING AT A GLANCE Each category is an arc on the Spending Wheel, sized by what you've spent this month, in warm colors you can read in three seconds. Tap an arc to drill into it. The wheel fills in real time as you log, so you always know if you're on track. LOG IT IN 3 TAPS The numeric keypad is waiting the moment you tap add. Amount, category, done. Optional note. Ownspend remembers your recent amounts and categories, so logging that morning coffee takes seconds — before you forget. BUDGETS THAT ACTUALLY HELP Set a monthly limit per category and watch your progress inline. Ownspend warns you as you near a limit and flags the ones you've gone over — no end-of-month surprises. YOUR HISTORY, INSTANTLY SEARCHABLE Every transaction, newest first. Search by keyword, filter by category or date, sort by amount. Record the cash spending no automatic tracker ever captures. BRING YOUR OLD APP WITH YOU Switching trackers usually means starting from zero. Export a CSV from the app you're leaving and import it here instead — Ownspend shows you exactly what it will create, every row, before anything is written. ON IPHONE AND IPAD A real iPad layout — sidebar, dashboard and history side by side — not a stretched-up phone app. Attach a receipt photo to any expense, and record where you spent it. PRIVATE BY DESIGN, NOT BY POLICY Ownspend is local-first. Your expenses live on your device, and we never link to your bank or ask for a password. Use it solo and there is no account and no sign-in at all — nothing to leak, nothing to breach. Shared Wallet is opt-in, and free. Share a wallet with one other person — a partner, a flatmate — and you both see every expense as it is added, and who added it. Only that wallet's expenses sync; everything else stays on your device. Sign in with Apple or Google, and delete your account whenever you want, right there in Settings. WHAT YOU GET, FREE - The Spending Wheel and full category breakdown - 3-tap Quick-Add logging - Up to 3 categories and 60 days of history - One savings goal - Monthly summary card you can share - Multiple wallets for cash, checking, and cards - CSV import, so switching costs you nothing - Shared Wallet, with one other person OWNSPEND PRO — YOUR CHOICE, NO GAMES Pro removes the limits. Start with a 7-day free trial on the monthly or yearly plan — or skip subscriptions entirely, pay once for the lifetime unlock, and own it forever. Pro adds: - Unlimited categories and unlimited history - Per-category monthly budgets and alerts - Unlimited savings goals - Recurring transactions and subscription tracking - Home screen widgets - Export to CSV or JSON for tax time The free tier is genuinely useful — it's the trial. Upgrade only when you outgrow it. WHY OWNSPEND Most budgeting apps want your bank credentials, charge you forever, or make you learn a methodology before you can log a coffee. Ownspend works offline, from the first tap, and keeps your financial life on your device. You own your spending — and you can own the app outright too. --- Ownspend is a personal budgeting and expense-tracking tool, not financial, investment, or tax advice. For guidance specific to your situation, talk to a qualified financial professional. Questions? Email dark2torch@gmail.com — we usually reply within a day or two. — Terms of Use (EULA): https://moathothman.github.io/ExploringIdeas-legal/clearspend/terms.html Privacy Policy: https://moathothman.github.io/ExploringIdeas-legal/clearspend/privacy.html

Screenshots

FAPCO4 screens
Ownspend4 screens

Verdict

The call

The clearest difference is in-app purchases: FAPCO at none against Ownspend's 3. FAPCO also leads on iOS requirement (15.6 vs 17.0). Ownspend's advantage is update cadence (fortnightly vs every 13 months). On price, 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

Both are free to download. Ownspend sells 3 in-app purchases, starting at $2.99 per month. FAPCO asks for nothing beyond the download.

UpkeepUpdate frequency

FAPCO ships an update every 13 months, Ownspend fortnightly. The most recent releases landed on October 4, 2026 and September 30, 2026 respectively.

Scorecard3 real differences · 3 level
FAPCO versus Ownspend: the parameters behind the verdict, then further details
ParameterFAPCOOwnspend
PriceFreeFree
Update frequencyEvery 13 monthsFortnightly — better
AdsNoNo
In-app purchasesNo — betterYes
DevicesiPhone, iPad, iPodiPhone, iPad, Mac, Apple Watch — better
Requires iOS15.6 — better17.0
Further details — not scored
Size54 MB29 MB
Age rating4+4+
DeveloperFAPCO TECH GENERAL TRADING CO. WLLMoaath Othman

In-app purchases

None

FAPCO

No in-app purchases

3 purchases

Ownspend

Subscriptions2
  • Pro Monthly7 Days trial$2.991 Month
  • Pro Yearly7 Days trial$14.991 Year
One-time1
  • ClearSpend Pro$29.99

Questions

Is FAPCO free?
FAPCO is free to download, with no in-app purchases.
Is Ownspend free?
Ownspend is free to download, with in-app purchases available.
Do FAPCO or Ownspend have ads?
Neither FAPCO nor Ownspend shows ads.
Which is updated more often, FAPCO or Ownspend?
FAPCO ships an update every 13 months, and Ownspend fortnightly. Most recently, FAPCO was updated on October 4, 2026 and Ownspend on September 30, 2026.

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