# Finmily vs Effective Expenses

The clearest difference is in-app purchases: Finmily at none against Effective Expenses's 2. Finmily also leads on iOS requirement (15.5 vs 26.0). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Effective Expenses sells 2 in-app purchases, starting at $0.49 per month. Finmily asks for nothing beyond the download.

Finmily ships an update every 2 weeks, Effective Expenses fortnightly. The most recent releases landed on October 25, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Finmily | Effective Expenses |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Fortnightly |
| Monetization | — | Freemium |
| Size | 109 MB | 8 MB |
| Requires iOS | **15.5** | 26.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Min Ly](https://appshunter.io/developer/1711752869) | [Francesco Papagno](https://appshunter.io/developer/1767909079) |

## What reviewers say

### Finmily

[App page](https://appshunter.io/ios/app/finmily/id6475139995)

**Features:** macOS Compatibility

**In-app purchases:** none


### Effective Expenses

[App page](https://appshunter.io/ios/app/effective-expenses/id6677000206)

Easily track your income and expenses with a built-in calculator and smart pickers. Automate transaction imports from Apple Wallet and gain clear financial insights through customizable charts and analytics. Organize your finances with custom accounts and categories.

**Highlights:** Log income and expenses, Recurring transaction scheduling, Apple Wallet transaction import, Customizable accounts and categories, Financial analytics and charts, Home screen widgets, Built-in calculator

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly subscription | $0.49 | per month |
| Yearly subscription | $4.99 | per year |


## Frequently asked questions

### Is Finmily free?

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

### Is Effective Expenses free?

Effective Expenses is free to download, with in-app purchases available.

### Do Finmily or Effective Expenses have ads?

Neither Finmily nor Effective Expenses shows ads.

### Which is updated more often, Finmily or Effective Expenses?

Finmily ships an update every 2 weeks, and Effective Expenses fortnightly. Most recently, Finmily was updated on October 25, 2026 and Effective Expenses on October 30, 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.*