# BNY Investments Mutual Funds vs Modest Finance

The clearest difference is rating: Modest Finance at 5.0 against BNY Investments Mutual Funds's 2.0. Modest Finance also leads on update cadence (every 4 days vs monthly) and ratings volume (13 vs 4). BNY Investments Mutual Funds's advantage is in-app purchases (none vs 6) and device support (3 vs 1). On price and ads there is nothing between them.

Both are free to download. Modest Finance sells 4 in-app purchases, starting at $8.99 per month. BNY Investments Mutual Funds asks for nothing beyond the download.

Modest Finance holds the better App Store score, 5.0 against 2.0. Both are backed by a comparable volume of ratings — 4 and 13 respectively.

BNY Investments Mutual Funds ships an update monthly, Modest Finance every 4 days. The most recent releases landed on September 19, 2026 and June 23, 2026 respectively.

## The numbers

| Metric | BNY Investments Mutual Funds | Modest Finance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (4 ratings)](https://appshunter.io/ios/app/bny-investments-mutual-funds/id6738056651/reviews) | **[5.0 (13 ratings)](https://appshunter.io/ios/app/modest-finance/id6742116324/reviews)** |
| Number of ratings | 4 | **13** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 4 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 46 MB | 35 MB |
| Requires iOS | **13.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [The Bank of New York Mellon Corporation](https://appshunter.io/developer/420188109) | [Modest Ventures LLC](https://appshunter.io/developer/1748674233) |

## What reviewers say

### BNY Investments Mutual Funds

[App page](https://appshunter.io/ios/app/bny-investments-mutual-funds/id6738056651)

Securely manage your mutual fund accounts from your mobile device. View balances, review transactions, update information, and access statements with ease. Trade funds on the go.

**Highlights:** View mutual fund accounts, Trade mutual funds, Monitor account balances, Review transaction history, Modify account information, Access statements

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Modest Finance

[App page](https://appshunter.io/ios/app/modest-finance/id6742116324)

Plan your financial independence by setting a net worth goal and budgeting towards it. Get real-time progress updates and AI-powered expense categorization. Avoid overdrafts with checking account balance previews.

**Highlights:** Financial independence planner, Real-time progress tracking, AI expense categorization, Checking account balance previews, Budgeting tools

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $8.99 | per month |
| Monthly Subscription | $8.99 | per month |
| Annual Subscription | $80.99 | per year |
| Annual Subscription | $80.99 | per year |


## Frequently asked questions

### Is BNY Investments Mutual Funds free?

BNY Investments Mutual Funds is free to download, with no in-app purchases.

### Is Modest Finance free?

Modest Finance is free to download, with in-app purchases available.

### Which has better reviews, BNY Investments Mutual Funds or Modest Finance?

Modest Finance is rated higher. BNY Investments Mutual Funds averages 2.0 out of 5 from 4 ratings, while Modest Finance averages 5.0 from 13 ratings.

### Do BNY Investments Mutual Funds or Modest Finance have ads?

Neither BNY Investments Mutual Funds nor Modest Finance shows ads.

### Which is updated more often, BNY Investments Mutual Funds or Modest Finance?

BNY Investments Mutual Funds ships an update monthly, and Modest Finance every 4 days. Most recently, BNY Investments Mutual Funds was updated on September 19, 2026 and Modest Finance on June 23, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*