# Sem vs Cubby Budgeting App

The clearest difference is in-app purchases: Sem at none against Cubby Budgeting App's 2. Sem also leads on ads (none vs shown) and iOS requirement (12.0 vs 18.6). Cubby Budgeting App's advantage is ratings volume (3 vs 1). On price, rating, update cadence and device support there is nothing between them.

Both are free to download. Cubby Budgeting App sells 2 in-app purchases, starting at $1.99 per month. Sem asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for Sem against 5.0 for Cubby Budgeting App. Both are backed by a comparable volume of ratings — 1 and 3 respectively.

Sem ships an update every 4 months, Cubby Budgeting App daily. The most recent releases landed on November 3, 2026 and November 10, 2026 respectively.

## The numbers

| Metric | Sem | Cubby Budgeting App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/sem-budgeting/id6455884315/reviews) | [5.0 (3 ratings)](https://appshunter.io/ios/app/cubby-budgeting-app/id6777870508/reviews) |
| Number of ratings | 1 | **3** |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 4 months | **Daily** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 53 MB | 19 MB |
| Requires iOS | **12.0** | 18.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Mark Mendoza](https://appshunter.io/developer/1700185707) | [Joe Hernandez Loredo](https://appshunter.io/developer/6777870510) |

## What reviewers say

### Sem

[App page](https://appshunter.io/ios/app/sem-budgeting/id6455884315)

Easily manage your expenses, categorize spending, and track savings with this intuitive budgeting tool. Receive timely reminders for upcoming bills and generate detailed monthly financial statements to understand your spending habits.

**Highlights:** Add and manage expenses, Categorize spending, Monthly budget overviews, Push notifications for due dates, Generate monthly statements, Light and Dark mode

**Features:** macOS Compatibility

**In-app purchases:** none


### Cubby Budgeting App

[App page](https://appshunter.io/ios/app/cubby-budgeting-app/id6777870508)

This app helps you track your spending, manage savings, and organize financial goals with a friendly interface. It breaks down expenses by category and allows you to set up savings buckets for specific targets. Build good money habits with visual progress tracking and a fun, encouraging experience.

**Highlights:** Spending overview by category, Savings goal tracking, Subscription management, Monthly budget review, Transaction history editing, Customizable dashboard

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Cubby Plus | $1.99 | per month |
| Cubby Plus | $19.99 | per year |


## Frequently asked questions

### Is Sem free?

Sem is free to download, with no in-app purchases.

### Is Cubby Budgeting App free?

Cubby Budgeting App is free to download, with in-app purchases available.

### Which has better reviews, Sem or Cubby Budgeting App?

Sem and Cubby Budgeting App are both rated 5.0 out of 5 on the App Store, from 1 and 3 ratings respectively.

### Do Sem or Cubby Budgeting App have ads?

Cubby Budgeting App shows ads; Sem does not.

### Which is updated more often, Sem or Cubby Budgeting App?

Sem ships an update every 4 months, and Cubby Budgeting App daily. Most recently, Sem was updated on November 3, 2026 and Cubby Budgeting App on November 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*