FinGym vs Richr AI
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FinGym
This app offers a private and secure way to track your net worth offline. It allows you to manage assets and liabilities with strong encryption, ensuring your financial data remains on your device. Built-in calculators help you make informed decisions about your wealth.
- Offline net worth tracking
- Encrypted data storage
- Asset and liability management
- Automatic net worth calculations
- Compound interest calculator
- ROI calculator
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Your Wealth. Your Privacy. Your Control. Most finance apps ask for your data, FinGym doesn't. FinGym is your offline, encrypted, and fully private net worth tracker, giving you full control of your finances without anyone looking over your shoulder. From day one, FinGym is built to put privacy and security first while helping you track assets, liabilities, and your total net worth. Whether you’re managing investments, clearing debts, or simply keeping track of your wealth, FinGym is the secure and simple way to stay organized. * Complete Privacy & Security All data stays on your device. AES-256 + SQLCipher encryption. No cloud, no accounts, no tracking. * Powerful Net Worth Management Track cash, real estate, stocks, crypto & more. Manage liabilities: loans, debts, credit cards. Automatic net worth calculations. * Smart Built-in Calculators Compound interest & ROI calculator. Make informed financial decisions easily. * Built for Privacy-Lovers Fully offline — even airplane mode works. Lightweight, modern & easy to use. No login, no sync, no data leakage. * Why Users Love FinGym: Finally, a net worth app that respects my privacy. Clean, simple, and no hidden data sharing. Download FinGym today and own your financial story, secure, offline, and 100% yours.
Richr AI
Understand your financial progress with a single score. This app uses AI to analyze your income, savings, debt, and investments, providing personalized insights without linking bank accounts. It offers clarity and motivation for your financial journey.
- Richr Level score
- AI-powered personalized insights
- Privacy-first, no bank linking
- Track income, savings, debt, investments
- Financial progress visualization
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Track your ability to get richer with Richr AI. Richr AI helps you understand your financial progress through a single, easy-to-read score: your Richr Level. Based on your income, savings, debt, and investments, Richr calculates a score and gives you personalized insights using AI. No syncing. No budgeting. No linking bank accounts. Just simple, data-driven clarity. Key Features: Richr Level — See where you stand financially in one easy number AI Insights — Get personalized, smart suggestions based on your financial inputs Privacy-first — No bank connections or sensitive data required Whether you're just getting started or working toward financial freedom, Richr AI gives you clarity, motivation, and progress — one level at a time. Disclaimer: Richr AI does not provide financial advice. All insights are for informational purposes only. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://getrichr.app/privacy
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Verdict
The clearest difference is review sentiment: Richr AI at 100% against FinGym's 50%. 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
Both are free to download. FinGym sells 2 in-app purchases, starting at $4.99 per month and Richr AI sells 2 in-app purchases, starting at $3.99 per 7 days. Whichever you choose, the download price is not the number that matters.
FinGym ships an update every 3 weeks, Richr AI monthly. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.
| Parameter | FinGym | Richr AI |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (2 ratings) — better |
| Positive reviews | 50.0% of reviews | 100.0% of reviews — better |
| Number of ratings | — | 2 — better |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 14.0.0 — better |
| Further details — not scored | ||
| Size | 44 MB | 51 MB |
| Age rating | 17+ | 4+ |
| Developer | Karthik Dechiraju | Mitchel Adams |
Customer experience
FinGym
Richr AI
In-app purchases
FinGym
- Monthly$4.991 Month
- Yearly$44.991 Year
Richr AI
- Richr Pro Weekly$3.997 Days
- Richr Pro Monthly$9.991 Month









