Comparison

MyMargadarsi vs Spndmate

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

Head to head
About

MyMargadarsi

Features
Read full description

Margadarsi Chits iOS App for subscribers to view their chits status and make payments online

About

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.

Highlights
  • Digitize text receipts
  • Automate spreadsheet expense entries
  • AI-powered expense insights
  • Track spending habits
  • Set in-app reminders
  • Build healthy financial habits
Features
Read full description

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

MyMargadarsi4 screens
Spndmate4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Spndmate sells 2 in-app purchases, starting at $9.99 per month. MyMargadarsi asks for nothing beyond the download.

UpkeepUpdate frequency

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.

Scorecard2 real differences · 8 level
MyMargadarsi versus Spndmate: the parameters behind the verdict, then further details
ParameterMyMargadarsiSpndmate
PriceFreeFree
Rating—5.0 (4 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—4 — better
Update frequencyEvery 17 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Free with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.1
Further details — not scored
Size34 MB58 MB
Age rating4+12+
DeveloperMargadarsi Chit Fund Private LimitedAbhayam Technologies LLC

In-app purchases

None

MyMargadarsi

No in-app purchases

2 purchases

Spndmate

Subscriptions2
  • Spndmate Premium - Monthly$9.991 Month
  • Spndmate Premium - Yearly$29.991 Year

Questions

Is MyMargadarsi free?
MyMargadarsi is free to download, with no in-app purchases.
Is Spndmate free?
Spndmate is free to download, with in-app purchases available.
Do MyMargadarsi or Spndmate have ads?
Neither MyMargadarsi nor Spndmate shows ads.
Which is updated more often, MyMargadarsi or Spndmate?
MyMargadarsi ships an update every 17 months, and Spndmate every 2 months. Most recently, MyMargadarsi was updated on November 3, 2026 and Spndmate on October 31, 2026.

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