Prosper vs Caply
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
Caply
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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
Verdict
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
Both are free to download. Prosper sells 3 in-app purchases, starting at $0.99 per month. Caply asks for nothing beyond the download.
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.
| Parameter | Prosper | Caply |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 3 weeks — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 26 MB | 19 MB |
| Age rating | 4+ | 4+ |
| Developer | Paulo Jose Mendes Marques | DZS Solutions |
In-app purchases
Prosper
- FP Pro - Monthly$0.991 Month
- FP Pro - Annual$3.991 Year
- Pro Features$6.99
Caply
No in-app purchases









