FinGym vs Lupi
Price, ratings, monetisation and update history for both apps, side by side β 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 youβre 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 β 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.
Lupi
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Most apps track subscriptions. Lupi tracks everything that takes money from you on repeat. Netflix, gym, rent, insurance, car loan, electricity β it all adds up silently. The average household pays for 12+ recurring expenses but only remembers half. Lupi puts every single one in one clear list, so nothing ever slips through. β MORE THAN SUBSCRIPTIONS β Most trackers only cover streaming services. Lupi handles all five types of recurring money: β’ Subscriptions (Netflix, Spotify, Adobe, gym memberships) β’ Fixed bills (electricity, internet, phone, insurance) β’ Loans & installments (car payments, mortgages, personal loans) β’ Rent β any currency, any billing cycle β’ Free trials β get warned before they ever charge you No other tracker in the App Store covers all five. That's the Lupi difference. β WHAT LUPI DOES β β’ See your true monthly cost at a glance β all currencies converted automatically β’ Get notified 1, 3 or 7 days before each payment so you're never caught off guard β’ Track free trial end dates β Lupi warns you the day before a trial converts to paid β’ Store cancellation links β cancel any service in seconds when you decide to β’ Mark manual bills as paid with one tap (haptic feedback included) β’ Visualize spending by category with charts and 6-month spending trends β’ Add rich notes per entry: account logins, contract dates, anything you need β’ Type a brand name and Lupi auto-fills the logo, category, and icon instantly β YOUR DATA, YOUR DEVICE β Lupi is 100% local-first. Your financial data never leaves your phone. No account. No cloud sync. No bank access. No ads. No data collection. Ever. Unlike apps that require linking your bank or email β Lupi works without any of that. Just open, add, and track. β SMART & FAST β Smart keyword detection assigns the right category automatically. Adding a new expense takes under 15 seconds. β PRO: UNLIMITED EVERYTHING β The free plan includes up to 5 expenses β perfect for getting started. Upgrade to PRO for unlimited tracking, with no hidden fees. β’ Monthly β flexible, cancel anytime β’ Yearly β best value, includes a free trial period β’ Lifetime β pay once, own it forever. No future charges. Download Lupi. Finally know exactly where your money goes. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://wojciechgrygo.github.io/lupi-legal/privacy-policy/
Screenshots
Verdict
FinGym and Lupi are too close to call on the numbers: across 6 compared parameters β price, update cadence, ads and in-app purchases among them β neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. FinGym sells 2 in-app purchases, starting at $4.99 per month and Lupi sells 4 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.
FinGym ships an update every 3 weeks, Lupi every 2 weeks. The most recent releases landed on November 4, 2026 and October 31, 2026 respectively.
| Parameter | FinGym | Lupi |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 50.0% of reviews | β |
| Update frequency | Every 3 weeks | Every 2 weeks β better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | β |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details β not scored | ||
| Size | 44 MB | 61 MB |
| Age rating | 17+ | 4+ |
| Developer | Karthik Dechiraju | Wojciech Grygo |
In-app purchases
FinGym
- Monthly$4.991 Month
- Yearly$44.991 Year
Lupi
- Lupi PRO: Monthly$2.991 Month
- Lupi PRO Yearly - 40% OFF$6.991 Year
- Lupi PRO: Yearly7 Days trial$11.991 Year
- Lupi PRO: Lifetime$24.99









