Comparison

RUPIQ vs iLekka

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

Head to head
About

RUPIQ

Features
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RUPIQ is one-stop shopping for all your Financial needs. You can use this state of the art app to stay on top of your Complete Financial Portfolio with all assets: Mutual Funds Equity Shares Bonds Fixed Deposits PMS Insurance Key Features: Complete Portfolio report download including all assets. View historical Performace of your Portfolio easily Transaction statement of any period 1 Click Statement of Account Download for any Asset Management Company in India Advanced Capital Gain Reports Invest Online in any Mutual fund scheme or New Fund Offer. Track all orders till the allotment of units to keep complete transparency SIP Report to be informed of your Running and Upcoming SIPs, STPs. Insurance list to keep track of premiums to be paid. Folio details registered with each AMC. Calculators and Tools available: Retirement Calculator SIP Calculator SIP Delay Calculator SIP Step up Calculator Marriage Calculator EMI Calculator

About

iLekka

Effortlessly track expenses by automatically processing bank transaction SMS messages. Monitor spending, categorize transactions smartly, and gain insights into your financial habits without manual data entry. Your financial data remains private and stored securely in your iCloud account.

Highlights
  • Automatic expense tracking from bank SMS
  • Smart expense categorization
  • Budgeting and spending analytics
  • Personal finance dashboard
  • Privacy-first iCloud storage
  • Designed for Indian banking systems
Features
Read full description

No typing. No receipts. No spreadsheets. iLekka is an automatic expense tracker for iPhone that turns your bank transaction SMS messages into a complete personal finance and money management system. Track expenses automatically, monitor spending, and stay on top of your budgetβ€”without manually entering transactions. Unlike traditional expense tracker apps, iLekka keeps your financial data private by storing everything in your own iCloud account. Nothing is sent to our servers. β€” HOW IT WORKS β€” Every time your bank sends a transaction SMS, iLekka automatically captures and categorizes the expense using Apple Shortcuts. Works with UPI transactions, debit cards, credit cards, net banking, and bank account debits. Supports SMS alerts from HDFC Bank, SBI, ICICI Bank, Axis Bank, Kotak Mahindra Bank, and other major Indian banks. Set it up once. Never manually log an expense again. β€” PRIVACY FIRST β€” Your financial data belongs to you. β€’ Stored in your own iCloud account β€’ No external servers β€’ No account creation required β€’ No ads β€’ No tracking β€’ No data harvesting iLekka follows Apple's privacy-first approach so your spending history remains under your control. β€” FEATURES β€” Automatic Expense Tracking Capture expenses automatically from bank SMS alerts. Every UPI payment, card transaction, ATM withdrawal, and account debit is recorded without manual effort. Smart Expense Categorization Automatically categorize spending into groceries, dining, fuel, shopping, bills, subscriptions, EMIs, travel, and more. Correct a category once and iLekka remembers your preference. Budgeting & Spending Analytics Understand where your money goes with monthly spending reports, category-wise breakdowns, trends, and insights. Personal Finance Dashboard Track your expenses, analyze spending habits, and make smarter financial decisions with a clear overview of your money. β€” BUILT FOR INDIA β€” Designed specifically for Indian banking and payment systems. β€’ UPI transactions β€’ Bank SMS alerts β€’ Debit cards β€’ Credit cards β€’ Net banking β€’ Major Indian banks No manual bookkeeping. No spreadsheets. No receipt scanning. β€” FREE FOR 60 DAYS β€” Get full access to all features free for 60 days. No credit card required. After the trial ends, choose either: β€’ Monthly Subscription β€’ Lifetime Access (one-time purchase) An active subscription or lifetime purchase is required to continue using iLekka after the trial period. β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€” SUBSCRIPTION & PRICING β€’ Payment is charged to your Apple ID upon purchase confirmation. β€’ Subscriptions automatically renew unless cancelled at least 24 hours before renewal. β€’ Your account will be charged for renewal within 24 hours before the current subscription period ends. β€’ Manage or cancel subscriptions anytime from Apple ID Settings β†’ Subscriptions. Privacy Policy: https://shared-record-5ae.notion.site/Privacy-Policy-35ba4adcfaf68048b753e6718ae5039b Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€” iLekka. Know your money.

Screenshots

RUPIQ4 screens
iLekka4 screens

Verdict

The call

The clearest difference is in-app purchases: RUPIQ at none against iLekka's 2. RUPIQ also leads on iOS requirement (16.0 vs 18.2). iLekka's advantage is update cadence (every 2 days vs every 2 months). 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. iLekka sells 2 in-app purchases, starting at $0.99 per month. RUPIQ asks for nothing beyond the download.

UpkeepUpdate frequency

RUPIQ ships an update every 2 months, iLekka every 2 days. The most recent releases landed on October 14, 2026 and October 8, 2026 respectively.

Scorecard3 real differences Β· 5 level
RUPIQ versus iLekka: the parameters behind the verdict, then further details
ParameterRUPIQiLekka
PriceFreeFree
Positive reviewsβ€”100.0% of reviews
Update frequencyEvery 2 monthsEvery 2 days β€” better
AdsNoNo
In-app purchasesNo β€” betterYes
Monetizationβ€”Free with in-app purchases
DevicesiPhone, iPad β€” betteriPhone
Requires iOS16.0 β€” better18.2
Further details β€” not scored
Size85 MB37 MB
Age rating4+4+
DeveloperDelta WiseGagan Krishne

In-app purchases

None

RUPIQ

No in-app purchases

2 purchases

iLekka

Subscriptions1
  • iLekka Pro Monthly2 Months trial$0.991 Month
One-time1
  • iLekka Pro$9.99

Questions

Is RUPIQ free?
RUPIQ is free to download, with no in-app purchases.
Is iLekka free?
iLekka is free to download, with in-app purchases available.
Do RUPIQ or iLekka have ads?
Neither RUPIQ nor iLekka shows ads.
Which is updated more often, RUPIQ or iLekka?
RUPIQ ships an update every 2 months, and iLekka every 2 days. Most recently, RUPIQ was updated on October 14, 2026 and iLekka on October 8, 2026.

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