Commingle vs Lupi
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Commingle
Manage personal and shared expenses effortlessly. Track income, split bills with friends, and settle debts with detailed analytics and global currency support. Access your finances offline with secure, encrypted data.
- Personal finance management
- Shared expense tracking
- Debt settlement
- Comprehensive analytics
- Global currency support
- Offline syncing
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Your money. Your friends. All figured out. Commingle makes managing money work whether you're keeping track of your own finances or sharing expenses with other people. Start simple. Track spending, add income or split an expense with friends. When you want to understand more, powerful financial tools are ready without getting in your way. PERSONAL FINANCES Track expenses and income, organise transactions into categories, follow your net worth and understand where your money goes. SHARED EXPENSES Split expenses with friends, partners and family. Keep track of who paid, who owes what and what has already been settled. MULTI-CURRENCY Manage money across currencies, check exchange rates and keep international expenses organised — whether you're travelling, living abroad or simply dealing with more than one currency. POWERFUL INSIGHTS Explore spending by category and over time, understand changes in your finances and follow your net worth. More powerful tools are there when you need them and stay out of the way when you don't. EVENTS Bring the finances for a holiday, weekend away, wedding, birthday or other occasion together. Keep related transactions and shared expenses organised in one place. PRIVATE BY DESIGN Your personal financial data is end-to-end encrypted. Protected data can be read only by your devices — not even Commingle can read it. Simple when you want it. Powerful when you need it. Your money. Your friends. All figured out. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Lupi
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Most apps track subscriptions. Lupi tracks everything that takes money from you on repeat. Netflix, gym, rent, insurance, car loan, electricity — it all adds up silently. The average household pays for 12+ recurring expenses but only remembers half. Lupi puts every single one in one clear list, so nothing ever slips through. — MORE THAN SUBSCRIPTIONS — Most trackers only cover streaming services. Lupi handles all five types of recurring money: • Subscriptions (Netflix, Spotify, Adobe, gym memberships) • Fixed bills (electricity, internet, phone, insurance) • Loans & installments (car payments, mortgages, personal loans) • Rent — any currency, any billing cycle • Free trials — get warned before they ever charge you No other tracker in the App Store covers all five. That's the Lupi difference. — WHAT LUPI DOES — • See your true monthly cost at a glance — all currencies converted automatically • Get notified 1, 3 or 7 days before each payment so you're never caught off guard • Track free trial end dates — Lupi warns you the day before a trial converts to paid • Store cancellation links — cancel any service in seconds when you decide to • Mark manual bills as paid with one tap (haptic feedback included) • Visualize spending by category with charts and 6-month spending trends • Add rich notes per entry: account logins, contract dates, anything you need • Type a brand name and Lupi auto-fills the logo, category, and icon instantly — YOUR DATA, YOUR DEVICE — Lupi is 100% local-first. Your financial data never leaves your phone. No account. No cloud sync. No bank access. No ads. No data collection. Ever. Unlike apps that require linking your bank or email — Lupi works without any of that. Just open, add, and track. — SMART & FAST — Smart keyword detection assigns the right category automatically. Adding a new expense takes under 15 seconds. — PRO: UNLIMITED EVERYTHING — The free plan includes up to 5 expenses — perfect for getting started. Upgrade to PRO for unlimited tracking, with no hidden fees. • Monthly — flexible, cancel anytime • Yearly — best value, includes a free trial period • Lifetime — pay once, own it forever. No future charges. Download Lupi. Finally know exactly where your money goes. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://wojciechgrygo.github.io/lupi-legal/privacy-policy/
Screenshots
Verdict
The clearest difference is update cadence: Commingle at every 4 days against Lupi's every 2 weeks. Lupi's advantage is device support (3 vs 1) and iOS requirement (15.1 vs 17.0). On price, ads and in-app purchases 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. Commingle sells 10 in-app purchases, starting at $1.99 per month and Lupi sells 4 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.
Commingle ships an update every 4 days, Lupi every 2 weeks. The most recent releases landed on November 4, 2026 and October 31, 2026 respectively.
| Parameter | Commingle | Lupi |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (2 ratings) — better | — |
| Number of ratings | 2 — better | — |
| Update frequency | Every 4 days — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 118 MB | 61 MB |
| Age rating | 4+ | 4+ |
| Developer | Krzysztof Rutkowski | Wojciech Grygo |
In-app purchases
Commingle
- Commingle Pro$1.991 Month
- Commingle Membership (1 month)3 Months trial$1.991 Month
- Commingle Plus$3.991 Month
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- Commingle Pro$7.991 Month
- Commingle Membership (1 year)3 Months trial$49.991 Year
- Commingle Credits [XS]$0.99
- Commingle Credits [S]$1.99
- Commingle Credits [M]$4.99
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- Commingle Credits [L]$9.99
- Commingle Credits [XL]$19.99
Lupi
- Lupi PRO: Monthly$2.991 Month
- Lupi PRO Yearly - 40% OFF$6.991 Year
- Lupi PRO: Yearly7 Days trial$11.991 Year
- Lupi PRO: Lifetime$24.99









