MyMargadarsi vs Spndmate
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MyMargadarsi
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Margadarsi Chits iOS App for subscribers to view their chits status and make payments online
Spndmate
Effortlessly track your spending by digitizing text receipts and automatically adding expenses to your spreadsheet. Gain insights into your financial habits and build lasting positive financial behaviors.
- Digitize text receipts
- Automate spreadsheet expense entries
- AI-powered expense insights
- Track spending habits
- Set in-app reminders
- Build healthy financial habits
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Hi I'm Spndmate! Ever feel guilty after spending? Me too. I'll make editing your spreadsheet and getting insights from it easy. Look back an year from now with new habits and no regrets. Forgot the day you went to the pottery place for a date? I know. Forgot how much gas costs when you last got a full tank? I know. Want to automate adding expenses to your spreadsheet? I gotchu. I'm your best friend that actually remembers and cares about you and your spending. Although, we are only compatible if you want to track expenses the classic and traditional way on a spreadsheet like all the 80s Millionaire-Dads do. Under the hood, for those curious, I'm an agent powered by an LLM that has access to tools that add, edit, delete and fetch expenses from your spreadsheet. I was created by a 20s-something-year-old college graduate who got their first job and wanted to start adulthood by tracking expenses the classic way on a spreadsheet. But they were too lazy to sit at the computer on google sheets, open the credit card iPhone app in the other hand, mentally categorize the expense and type it manually. They also don't like the expense-tracking apps on the market as they are too focused on budgeting, have complex setups with bank accounts via Plaid, unintuitive charts and exorbitant subscriptions. So the college graduate had an idea for an AI agent that can take screenshots of their credit card app, images of receipts, or text messages and automatically add it to their spreadsheet! Voila! And at the same time - because AI is awesome - the agent can also answer any question about the expenses. 6 months later - I was born :) So download me, set in-app reminders, and build healthy habits of personal finance that last a lifetime. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: MyMargadarsi at none against Spndmate's 2. Spndmate's advantage is update cadence (every 2 months vs every 17 months). On price, ads, device support and iOS requirement 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
Both are free to download. Spndmate sells 2 in-app purchases, starting at $9.99 per month. MyMargadarsi asks for nothing beyond the download.
MyMargadarsi ships an update every 17 months, Spndmate every 2 months. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.
| Parameter | MyMargadarsi | Spndmate |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (4 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | — | 4 — better |
| Update frequency | Every 17 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | — | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 34 MB | 58 MB |
| Age rating | 4+ | 12+ |
| Developer | Margadarsi Chit Fund Private Limited | Abhayam Technologies LLC |
In-app purchases
MyMargadarsi
No in-app purchases
Spndmate
- Spndmate Premium - Monthly$9.991 Month
- Spndmate Premium - Yearly$29.991 Year









