Comparison

Prosper vs Caply

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

Head to head
About

Prosper

Plan your financial future with interactive projections for net worth, cash flow, and retirement. Simulate major life decisions and optimize financial goals like mortgage payments. Data is stored locally for privacy with optional cloud sync.

Highlights
  • Interactive net worth and cash flow projections
  • What-if scenario testing
  • Inflation-adjusted projections
  • Mortgage optimization tools
  • Household planning with multiple profiles
  • Offline support and local data storage
Features
Read full description

See your financial future before it happens. Prosper helps you plan ahead, not just track the past. Simulate retirement, test major life decisions, optimize your mortgage, and see how your net worth could evolve over time. - Project your future with interactive net worth and cash flow projections over the next 10, 20, or 30 years. - Test what-if scenarios for salary changes, home purchases, children, major expenses, and early retirement. - View inflation-adjusted projections to understand what your money could be worth in real terms. - Optimize your mortgage with extra payment simulations, payoff comparisons, and long-term cost analysis. - Plan as a household with multiple profiles and combined long-term projections. - Stay private by default with data stored on your device, offline support, and optional cloud sync only if you enable it. Prosper is built for people pursuing Financial Independence (FIRE), planning retirement, paying off debt, and making bigger financial decisions with more confidence. Download Prosper and start simulating your financial future.

About

Caply

Features
Read full description

Caply: Wealth Planner — See Your Financial Future Caply shows you where your money could be in 10 years. Forget tracking past expenses — Caply is all about your future. Just enter your income, spending, capital, and expected return, and instantly see a clear 10-year projection of your wealth. Why Caply: - Simple 10-year forecast in seconds - Visual charts + yearly growth table - Plan for savings, investments, or retirement - Stay motivated to build long-term wealth Caply answers the big question: "If I keep earning, spending, and investing like this… where will I be in 10 years?" Start today — and see your financial future with Caply.

Screenshots

Prosper4 screens
Caply3 screens

Verdict

The call

The clearest difference is in-app purchases: Caply at none against Prosper's 3. Caply also leads on iOS requirement (13.0 vs 15.0). Prosper's advantage is update cadence (every 3 weeks vs every 5 weeks). On price, ads and device support 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. Prosper sells 3 in-app purchases, starting at $0.99 per month. Caply asks for nothing beyond the download.

UpkeepUpdate frequency

Prosper ships an update every 3 weeks, Caply every 5 weeks. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

Scorecard3 real differences · 7 level
Prosper versus Caply: the parameters behind the verdict, then further details
ParameterProsperCaply
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 3 weeks — betterEvery 5 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size26 MB19 MB
Age rating4+4+
DeveloperPaulo Jose Mendes MarquesDZS Solutions

In-app purchases

3 purchases

Prosper

Subscriptions2
  • FP Pro - Monthly$0.991 Month
  • FP Pro - Annual$3.991 Year
One-time1
  • Pro Features$6.99
None

Caply

No in-app purchases

Questions

Is Prosper free?
Prosper is free to download, with in-app purchases available.
Is Caply free?
Caply is free to download, with no in-app purchases.
Do Prosper or Caply have ads?
Neither Prosper nor Caply shows ads.
Which is updated more often, Prosper or Caply?
Prosper ships an update every 3 weeks, and Caply every 5 weeks. Most recently, Prosper was updated on October 30, 2026 and Caply on October 31, 2026.

Other comparisons