# Wealthio vs Philia Vault

The clearest difference is ads: Wealthio at none against Philia Vault's shown. Philia Vault's advantage is iOS requirement (16.4 vs 18.0). On price, update cadence, in-app purchases and device support there is nothing between them.

Both are free to download. Wealthio sells 1 one-off in-app purchase and Philia Vault sells 2 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

Wealthio ships an update every 10 days, Philia Vault weekly. Both last shipped on October 28, 2026.

## The numbers

| Metric | Wealthio | Philia Vault |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (5 ratings)](https://appshunter.io/ios/app/philia-vault-wealth-tracker/id6790504287/reviews)** |
| Number of ratings | — | **5** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 10 days | **Weekly** |
| Monetization | — | Free with in-app purchases |
| Size | 5 MB | 75 MB |
| Requires iOS | 18.0 | **16.4** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Marcelo Vitoria](https://appshunter.io/developer/715189937) | [Philia Entreprise LLC](https://appshunter.io/developer/6790504289) |

## What reviewers say

### Wealthio

[App page](https://appshunter.io/ios/app/wealthio-net-worth-tracker/id6745744909)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Home Screen Widget Access | $0.99 | one-time |


### Philia Vault

[App page](https://appshunter.io/ios/app/philia-vault-wealth-tracker/id6790504287)

This app helps you understand your financial reality by tracking assets, liabilities, and cash flow. It visualizes your progress towards financial independence and offers an AI coach for reflection on your decisions.

**Highlights:** Track assets and liabilities, Calculate net worth, Visualize asset cash flow, Measure Financial Independence Index, Simulate cash-flow scenarios, AI Coach for financial reflection

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $74.99 | per year |


## Frequently asked questions

### Is Wealthio free?

Wealthio is free to download, with in-app purchases available.

### Is Philia Vault free?

Philia Vault is free to download, with in-app purchases available.

### Do Wealthio or Philia Vault have ads?

Philia Vault shows ads; Wealthio does not.

### Which is updated more often, Wealthio or Philia Vault?

Wealthio ships an update every 10 days, and Philia Vault weekly. Most recently, Wealthio was updated on October 28, 2026 and Philia Vault on October 28, 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.*