Comparison

FinGym vs SettleUp

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

Head to head
About

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.

Highlights
  • Offline net worth tracking
  • Encrypted data storage
  • Asset and liability management
  • Automatic net worth calculations
  • Compound interest calculator
  • ROI calculator
Features
Read full description

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 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.

About

SettleUp

Features
Read full description

Track shared expenses with friends, family and flatmates. SettleUp makes it simple to split bills fairly β€” whether you're on a trip, sharing a flat, planning an event, or just splitting dinner. KEY FEATURES β€’ Create groups and invite members by email in seconds β€’ Split equally, by exact amount, by shares, or by percentage β€’ See clear plain-language balances β€” who owes whom β€’ Smart settle-up suggestions to minimize the number of payments β€’ Custom per-group expense categories with icons β€’ Full activity feed so nobody misses an update β€’ Invite friends by email β€” works for new and existing users β€’ Paise-precise integer math β€” zero rounding errors β€’ INR-first design, built for India PRIVATE & HONEST No ads. No analytics SDKs. No data selling. Your expense data is yours β€” encrypted in transit and stored securely. Delete your account any time.

Screenshots

FinGym4 screens
SettleUp4 screens

Verdict

The call

The clearest difference is in-app purchases: SettleUp at none against FinGym's 2. SettleUp also leads on update cadence (every 8 days vs every 3 weeks) and iOS requirement (13.0 vs 15.1). On price, ads and device support there is nothing between them.

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. FinGym sells 2 in-app purchases, starting at $4.99 per month. SettleUp asks for nothing beyond the download.

UpkeepUpdate frequency

FinGym ships an update every 3 weeks, SettleUp every 8 days. The most recent releases landed on October 1, 2026 and September 30, 2026 respectively.

Scorecard3 real differences Β· 5 level
FinGym versus SettleUp: the parameters behind the verdict, then further details
ParameterFinGymSettleUp
PriceFreeFree
Positive reviews50.0% of reviewsβ€”
Update frequencyEvery 3 weeksEvery 8 days β€” better
AdsNoNo
In-app purchasesYesNo β€” better
MonetizationFreemiumβ€”
DevicesiPhone, iPad, iPod β€” betteriPhone, iPod
Requires iOS15.113.0 β€” better
Further details β€” not scored
Size44 MB24 MB
Age rating17+4+
DeveloperKarthik DechirajuSaurabh Shukla

In-app purchases

2 purchases

FinGym

Subscriptions2
  • Monthly$4.991 Month
  • Yearly$44.991 Year
None

SettleUp

No in-app purchases

Questions

Is FinGym free?
FinGym is free to download, with in-app purchases available.
Is SettleUp free?
SettleUp is free to download, with no in-app purchases.
Do FinGym or SettleUp have ads?
Neither FinGym nor SettleUp shows ads.
Which is updated more often, FinGym or SettleUp?
FinGym ships an update every 3 weeks, and SettleUp every 8 days. Most recently, FinGym was updated on October 1, 2026 and SettleUp on September 30, 2026.

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