Comparison

Earnest Mobile vs Cuenta

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

Head to head
About

Earnest Mobile

Easily manage your student loans on the go. Track repayment progress, view balances, make payments, and adjust Auto Pay settings from a single, convenient platform.

Highlights
  • Track repayment progress
  • View loan balances
  • Make and schedule payments
  • Manage Auto Pay settings
  • Update profile information
  • Review payment history
Read full description

Managing your student loans just got easier with the Earnest app. Log in from anywhere at any time to track your progress, make payments, edit Auto Pay settings, and more, all in one place. Review your loans at a glance: - Track your repayment progress - Check your remaining balance - See your next scheduled payment Manage your payments: - Make payments and schedule future payments - Make extra payments - Review payment history - See your upcoming payments Edit your Auto Pay settings: - Enroll in Auto Pay - Change Auto Pay amount, frequency, and bank account - Cancel Auto Pay Update your information: - View your profile - Update your bank account info We’re always making improvements to create the most seamless experience for our clients, so stay tuned for new features.

About

Cuenta

Effortlessly split restaurant bills with friends. Scan or import receipts, itemize expenses, and share a link for everyone to claim their items. Settle up easily with integrated payment options.

Highlights
  • Scan paper receipts
  • Import receipt photos
  • Itemize expenses
  • Share bills via link
  • Claim individual items
  • Integrated payment options
  • Reopen recent bills
Features
Read full description

Restaurant bill math shouldn’t follow you home. Cuenta turns one receipt into a shared bill everyone can understand. The person who paid scans or imports the receipt. Cuenta itemizes it and flags receipt differences for review. The organizer sends one link, and everyone opens the same bill and taps what they had. People who are invited can join from the web without installing the app or creating an account. WHAT YOU CAN DO • Scan a paper receipt or choose a receipt photo • Review extracted items and totals, and correct flagged differences before payment • Send one bill link to the group • Tap an item to take it, or share an item with other people • See your items, tax, tip, and total in one breakdown • Watch the shared bill update as people make changes • Open Venmo with the recipient, amount, and note filled in when the person who paid has added a Venmo username • Mark your share as paid after you pay • Reopen recent bills on your device BUILT FOR THE PERSON WHO PAID AND EVERYONE THEY INVITE The organizer sees any flagged receipt difference before claiming or payment is allowed. Everyone else gets a short path from link to share. No permanent guest account is required. PAYMENT, CLEARLY STATED Cuenta does not hold, send, receive, verify, or confirm money. If you choose the Venmo handoff, you review and send the payment in Venmo. Marking a share as paid records the participant’s status in Cuenta; it is not confirmation from a bank or payment service. Currently designed for English-language restaurant receipts, US dollars, and Venmo handoff in the United States.

Screenshots

Earnest Mobile4 screens
Cuenta3 screens

Verdict

The call

The clearest difference is rating: Cuenta at 5.0 against Earnest Mobile's 1.9. Earnest Mobile's advantage is ratings volume (43 vs 1) and iOS requirement (15.8.2 vs 26.0). On price, update cadence, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Cuenta holds the better App Store score, 5.0 against 1.9. That said, the two scores are not equally well evidenced: Earnest Mobile has 43 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Earnest Mobile ships an update fortnightly, Cuenta monthly. The most recent releases landed on November 4, 2026 and October 31, 2026 respectively.

Scorecard3 real differences · 7 level
Earnest Mobile versus Cuenta: the parameters behind the verdict, then further details
ParameterEarnest MobileCuenta
PriceFreeFree
Rating1.9 (43 ratings)5.0 (1 ratings) — better
Positive reviews10.3% of reviews—
Number of ratings43 — better1
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS15.8.2 — better26.0
Further details — not scored
Size41 MB8 MB
Age rating4+4+
DeveloperEarnest Inc.Ishil Puri

Customer experience

Earnest Mobile

All ratings43 ratings
Positive16.3%
Neutral9.3%
Negative74.4%
Written reviews29 reviews
Positive10.3%
Neutral6.9%
Negative82.8%

Cuenta

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Earnest Mobile

No in-app purchases

None

Cuenta

No in-app purchases

Questions

Is Earnest Mobile free?
Earnest Mobile is free to download, with no in-app purchases.
Is Cuenta free?
Cuenta is free to download, with no in-app purchases.
Which has better reviews, Earnest Mobile or Cuenta?
Cuenta is rated higher. Earnest Mobile averages 1.9 out of 5 from 43 ratings, while Cuenta averages 5.0 from 1 ratings.
Do Earnest Mobile or Cuenta have ads?
Neither Earnest Mobile nor Cuenta shows ads.
Which is updated more often, Earnest Mobile or Cuenta?
Earnest Mobile ships an update fortnightly, and Cuenta monthly. Most recently, Earnest Mobile was updated on November 4, 2026 and Cuenta on October 31, 2026.

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