FinGym vs SettleUp
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.
SettleUp
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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
Verdict
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
Both are free to download. FinGym sells 2 in-app purchases, starting at $4.99 per month. SettleUp asks for nothing beyond the download.
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.
| Parameter | FinGym | SettleUp |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 50.0% of reviews | β |
| Update frequency | Every 3 weeks | Every 8 days β better |
| Ads | No | No |
| In-app purchases | Yes | No β better |
| Monetization | Freemium | β |
| Devices | iPhone, iPad, iPod β better | iPhone, iPod |
| Requires iOS | 15.1 | 13.0 β better |
| Further details β not scored | ||
| Size | 44 MB | 24 MB |
| Age rating | 17+ | 4+ |
| Developer | Karthik Dechiraju | Saurabh Shukla |
In-app purchases
FinGym
- Monthly$4.991 Month
- Yearly$44.991 Year
SettleUp
No in-app purchases









