# TomoCredit vs UnSpend

The clearest difference is rating: UnSpend at 5.0 against TomoCredit's 3.5. TomoCredit's advantage is ratings volume (579 vs 1) and device support (3 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UnSpend holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: TomoCredit has 579 ratings behind it against 1, so its average is the more settled of the two.

TomoCredit ships an update every 2 weeks, UnSpend every 11 days. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | TomoCredit | UnSpend |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (579 ratings)](https://appshunter.io/ios/app/tomocredit/id6504301873/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/unspend/id6769213292/reviews)** |
| Number of ratings | **579** | 1 |
| Positive reviews | 67.2% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 11 days** |
| Monetization | Free | Free |
| Size | 51 MB | 3 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [TomoCredit Inc](https://appshunter.io/developer/1481385909) | [Wilderstone LLC](https://appshunter.io/developer/1895501256) |

## What reviewers say

### TomoCredit

[App page](https://appshunter.io/ios/app/tomocredit/id6504301873)

This app helps you build and manage your credit score. It offers features like rent reporting, bill tracking, and an AI financial assistant to provide personalized advice and improve your financial health.

**Highlights:** Up to $30,000 credit line, 24 months of bill tracking, Instant credit boost, Rent reporting, AI financial assistant, Dispute negative remarks, Credit monitoring

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 💡 Helpful credit consultations
- 🚀 Clean, user-friendly design
- 📈 Effective credit-building tools
- 💰 Bonus cash back feature

**What reviewers complain about**

- 🚫 Failure to report to major credit bureaus
- 💸 Expensive premium subscription
- 🤖 Lack of responsive customer support
- 🔁 Difficulty canceling subscriptions
- ❌ Unreliable credit score improvements

**Reported bugs**

- App update issues
- Billing and subscription problems

**Requested features**

- Improved credit bureau reporting
- More transparent pricing and service details
- Enhanced customer support and communication


### UnSpend

[App page](https://appshunter.io/ios/app/unspend/id6769213292)

This app helps you save money by tracking purchases you choose to skip. Log resisted impulse buys and cancelled subscriptions to build discipline and reach your savings goals. Gain insights into your spending habits and watch your willpower grow.

**Highlights:** Log skipped purchases, Customizable categories, Savings goals tracking, Willpower Score, Spending pattern insights, Offline data storage, Investment projection

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is TomoCredit free?

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

### Is UnSpend free?

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

### Which has better reviews, TomoCredit or UnSpend?

UnSpend is rated higher. TomoCredit averages 3.5 out of 5 from 579 ratings, while UnSpend averages 5.0 from 1 ratings.

### Do TomoCredit or UnSpend have ads?

Neither TomoCredit nor UnSpend shows ads.

### Which is updated more often, TomoCredit or UnSpend?

TomoCredit ships an update every 2 weeks, and UnSpend every 11 days. Most recently, TomoCredit was updated on October 30, 2026 and UnSpend on October 31, 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.*