Comparison

LAPI vs Vértuz

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

Head to head
About

LAPI

Manage your money effectively with this comprehensive personal finance assistant. Track income, expenses, credit cards, and set financial goals. Features include budgeting, cash flow forecasting, and an AI financial coach for personalized tips.

Highlights
  • Transaction management
  • Credit card tracking
  • Financial goal setting
  • Monthly budgeting
  • Cash flow forecasting
  • Family sharing
  • AI financial coach
Features
Read full description

LAPI is your complete personal financial assistant. Manage your finances smartly, organize income and expenses, track credit cards, and achieve your financial goals. MAIN FEATURES TRANSACTION MANAGEMENT - Record income, expenses, and transfers - Organize by custom categories and tags - View in calendar or list - Import OFX/CSV statements CREDIT CARD CONTROL - Track invoices and due dates - Automatic limit control - Easy installment payments - Due date alerts FINANCIAL GOALS - Set savings objectives - Track your progress - Get motivated to reach your goals MONTHLY BUDGET - Create budgets by category - View spending vs. planned - Alerts when exceeding limits CASH FLOW FORECAST - See future projections - Plan ahead - Smart insights about your spending FAMILY SHARING - Share finances with family - Control who can view or edit - Integrated chat between members AI FINANCIAL COACH - Get personalized tips - Smart spending analysis - Suggestions to save money APPLE WATCH - Check your balance on your wrist - Recent transactions - Custom complications SECURITY - Your data is encrypted - Face ID / Touch ID login - Secure cloud sync MULTI-PLATFORM - iPhone and iPad - Web (web.lapiapp.com) - Apple Watch FREE PLAN - Up to 2 bank accounts - Unlimited categories and tags - Up to 1 credit card PRO PLAN - Unlimited accounts - Family sharing - AI financial coach - Advanced forecasts - Priority support Developed by LM Planejamento Financeiro. TERMS AND PRIVACY Terms of Use (EULA): https://ajuda.lapiapp.com/politicas/termos/ Privacy Policy: https://ajuda.lapiapp.com/politicas/privacidade/

About

Vértuz

This app integrates technology, financial management, and emotional intelligence to help users improve their relationship with money. It provides a method and tool to save, grow, and achieve financial clarity, discipline, and freedom.

Highlights
  • Financial management integration
  • Emotional intelligence for money
  • Saving and investment tools
  • Achieve financial clarity
  • Develop financial discipline
  • Promote financial freedom
Features
Read full description

Descrição completa A Vértuz é o app de organização financeira que conecta suas contas, cartões e investimentos via Open Finance e traz uma IA conversacional que responde considerando toda a sua vida financeira. Simples, automático e sem planilhas. Criado para quem quer clareza, sem complicação: a Vértuz percebe padrões, mostra o que merece a sua atenção e ajuda você a encontrar onde dá para economizar. E agora, você pode perguntar do seu jeito! Quanto gastei com delivery este mês? Posso assumir mais uma parcela? Para onde está indo o meu dinheiro? Basta perguntar, e a IA cruza as suas movimentações para responder. • Tudo em um só lugar: Conecte contas e cartões de mais de 100 instituições e veja ganhos e gastos em uma única visão, atualizada automaticamente, sem digitar nada. • IA conversacional: Converse em linguagem natural. A IA entende o contexto das suas finanças, identifica padrões e responde com base nos seus dados reais. • Veja o que merece atenção: Parcelas, assinaturas, cobranças duplicadas e mudanças nos gastos aparecem antes de virarem surpresa. • Categorias e orçamentos: Organize seus gastos em Alimentação, Casa, Lazer e outras categorias, defina um limite para cada uma e saiba exatamente quanto ainda pode gastar no mês. Seja para sair do vermelho, juntar dinheiro para um objetivo ou simplesmente saber para onde vai o seu salário, você vai gostar de organizar suas finanças com a Vértuz. Por que a Vértuz? • É simples e eficaz. Chega de planilhas complicadas: o app organiza tudo para você e mostra o que importa. • Funciona de forma automática. Pelo Open Finance, suas contas e cartões são atualizados sozinhos, com a sua autorização e a possibilidade de revogar o acesso quando quiser. • Entende o seu contexto. A IA considera toda a sua vida financeira, e não só um gasto isolado. • Acompanhe o seu progresso. Crie sua meta e siga o seu planejamento. Baixe a Vértuz agora e transforme por completo a forma como você lida com o dinheiro. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

LAPI4 screens
Vértuz4 screens

Verdict

The call

The clearest difference is review sentiment: LAPI at 100% against Vértuz's 73%. LAPI also leads on update cadence (every 2 days vs every 10 days) and device support (4 vs 2). Vértuz's advantage is monetization model (free vs freemium). On price, ads, in-app purchases and iOS requirement 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. LAPI sells 10 in-app purchases, starting at $0.79 per month and Vértuz sells 1 in-app purchase, starting at $7.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

LAPI ships an update every 2 days, Vértuz every 10 days. Both last shipped on October 28, 2026.

Scorecard4 real differences · 6 level
LAPI versus Vértuz: the parameters behind the verdict, then further details
ParameterLAPIVértuz
PriceFreeFree
Rating—5.0 (2 ratings) — better
Positive reviews100.0% of reviews — better72.7% of reviews
Number of ratings—2 — better
Update frequencyEvery 2 days — betterEvery 10 days
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree — better
DevicesiPhone, iPad, Mac, Apple Watch — betteriPhone, iPad
Requires iOS16.0 — better16.4
Further details — not scored
Size83 MB98 MB
Age rating+4+17
DeveloperL M TREINAMENTO LTDAMind Consulting

Customer experience

LAPI

Written reviews5 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Vértuz

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews22 reviews
Positive72.7%
Neutral4.5%
Negative22.7%

In-app purchases

10 purchases

LAPI

Subscriptions10
  • 1 extra bank$0.791 Month
  • 2 extra banks$1.491 Month
  • 3 extra banks$2.291 Month
Show 7 more
  • 5 extra banks$3.791 Month
  • LAPI Pro Monthly1 Month trial$3.991 Month
  • LAPI Pro Multi Monthly1 Month trial$5.991 Month
  • LAPI Pro Business Monthly1 Month trial$7.991 Month
  • LAPI Pro Annual1 Month trial$39.991 Year
  • LAPI Pro Multi Annual1 Month trial$59.991 Year
  • LAPI Pro Business Annual$79.991 Year
1 purchases

Vértuz

Subscriptions1
  • Assinatura mensal7 Days trial$7.991 Month

Questions

Is LAPI free?
LAPI is free to download, with in-app purchases available.
Is Vértuz free?
Vértuz is free to download, with in-app purchases available.
Do LAPI or Vértuz have ads?
Neither LAPI nor Vértuz shows ads.
Which is updated more often, LAPI or Vértuz?
LAPI ships an update every 2 days, and Vértuz every 10 days. Most recently, LAPI was updated on October 28, 2026 and Vértuz on October 28, 2026.

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