Comparison

Smart Finances vs Bloom

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

Head to head
About

Smart Finances

Features
Read full description

Finanzas OK: Manage your finances like a pro. Do you want to save more and live without financial stress? Finanzas OK makes it easy for you: * Multiple accounts: Manage all your accounts in one place. * Flexible categorization: Create your own categories and subcategories. * Custom charts: Visualize your data in the way that suits you best. * Minimalist design: A simple and elegant interface for an optimal user experience. * Download Finanzas OK and simplify your financial life.

About

Bloom

Features
Read full description

Track spending without linking your bank. Bloom is free, with no ads and no sign-up: log every expense in seconds, build a budget and see where your money goes. LOG IN SECONDS • A dedicated keypad with a built-in calculator for expenses, income and transfers. • Categories and payees that learn from what you do. • Notes, references and a photo or PDF of the receipt on every transaction. • Favorites, a Quick Add widget, Control Center and Siri. EVERY ACCOUNT AND CARD • Checking, savings, cash, credit cards, investments and loans. • Running balance on every transaction and reconciliation against your statement. • Any currency, with exchange rates that update by themselves. BUDGETS AND SAVINGS • Category budgets with a daily pace. • "Safe to spend": what's left for today, no guessing. • Upcoming bills, savings goals and a debt payoff plan. UNDERSTAND YOUR MONEY • Reports: spending by category, income vs. expenses and net worth. • A recap of every month, and search that understands dates and amounts. • Export to CSV or PDF. FOR COUPLES AND FAMILIES • Share a workspace, or just some accounts, with your partner through iCloud. • Keep personal, business and household money apart in separate workspaces. ON ALL YOUR DEVICES • iPhone, iPad, Apple Watch and a native Mac app. • Widgets on the Home Screen, Lock Screen and Mac desktop. • 11 app icons and more than 500 icons for your categories. YOUR DATA IS YOURS Bloom has no servers and no sign-up. Everything lives on your device and in your private iCloud, with daily automatic backups. Lock it with Face ID. Coming from MoneyWiz, a spreadsheet or another app? Import your history from CSV. Bloom is free, with no ads.

Screenshots

Smart Finances4 screens
Bloom4 screens

Verdict

The call

The clearest difference is in-app purchases: Bloom at none against Smart Finances's 4. Bloom also leads on update cadence (daily vs weekly). Smart Finances's advantage is iOS requirement (15.1 vs 26.0). 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. Smart Finances sells 4 one-off in-app purchases. Bloom asks for nothing beyond the download.

UpkeepUpdate frequency

Smart Finances ships an update weekly, Bloom daily. The most recent releases landed on October 24, 2026 and October 26, 2026 respectively.

Scorecard3 real differences · 3 level
Smart Finances versus Bloom: the parameters behind the verdict, then further details
ParameterSmart FinancesBloom
PriceFreeFree
Update frequencyWeeklyDaily — better
AdsNoNo
In-app purchasesYesNo — better
DevicesiPhone, iPad, iPodiPhone, iPad, Mac, Apple Watch — better
Requires iOS15.1 — better26.0
Further details — not scored
Size52 MB76 MB
Age rating4+4+
DeveloperAlex RodriguezRodrigo Valle Pinto

In-app purchases

4 purchases

Smart Finances

One-time4
  • A Lollipop$0.99
  • A Chocolate Bar$1.99
  • A Cup of Coffee$2.99
Show 1 more
  • A Burger Meal$5.99
None

Bloom

No in-app purchases

Questions

Is Smart Finances free?
Smart Finances is free to download, with in-app purchases available.
Is Bloom free?
Bloom is free to download, with no in-app purchases.
Do Smart Finances or Bloom have ads?
Neither Smart Finances nor Bloom shows ads.
Which is updated more often, Smart Finances or Bloom?
Smart Finances ships an update weekly, and Bloom daily. Most recently, Smart Finances was updated on October 24, 2026 and Bloom on October 26, 2026.

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