# FinGym vs SettleUp

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.

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.

## The numbers

| Metric | FinGym | SettleUp |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 8 days** |
| Monetization | Freemium | — |
| Size | 44 MB | 24 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Karthik Dechiraju](https://appshunter.io/developer/1801119035) | [Saurabh Shukla](https://appshunter.io/developer/6782168708) |

## What reviewers say

### FinGym

[App page](https://appshunter.io/ios/app/fingym-net-worth-tracker/id6743069741)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $4.99 | per month |
| Yearly | $44.99 | per year |


### SettleUp

[App page](https://appshunter.io/ios/app/settleup-split-and-settle/id6782168706)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*