CashChat AI vs Divvy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CashChat AI
This personal finance app uses AI to help you manage your money through natural language conversations. Get personalized coaching, track your budget in real-time, and make informed financial decisions with AI-generated insights.
- Chat-based financial queries
- Personalized AI coaching
- Real-time budget tracking
- Spending categorization
- AI-generated financial reports
- Decision-making support
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Smarter Finances - One Chat Away CashChat AI is the first chat-first personal finance app that helps you take control of your money with the power of AI. Whether you're budgeting, tracking spending, or making big financial decisions, CashChat acts like a personalized money coach - always available, always helpful. What You Can Do with CashChat AI: - Chat with your finances - Ask anything such as "How much did I spend on food this month" or "Can I afford this vacation" and get real answers instantly - Get tailored coaching - AI adjusts to your financial knowledge level, giving advice that fits your goals and lifestyle - Track your budget in real time - Automatically categorize spending, monitor budget progress, and stay on track every month - See trends and get reports - Receive clear, AI generated monthly summaries that highlight what is working and what needs adjusting - Make confident decisions - Use the app as your financial sounding board before any big purchase Safe - Secure - Always Private CashChat uses industry standard encryption and does not sell or share your data. Your financial data is yours and only yours. Why Users Love It: "Feels like texting a money coach - but better" "Finally a budgeting app that gets me" "I stopped guessing - Now I make decisions with confidence" Important Note: CashChat AI is free to download. Some features, including unlimited AI conversations, advanced reports, and tailored coaching, require an auto-renewable subscription. Subscriptions are billed to your Apple ID and renew automatically unless canceled in your App Store settings. Start taking control of your finances today - one chat at a time Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Divvy
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Divvy - split your bills and finances, no problem! we all love our friends, we love trips, we love going out, but we hate losing money. splitting bills fairly shouldn't require spreadsheets or multiple awkward texts. Divvy makes it effortless to track and manage your finances with friends. - Quick Divvy: snap a receipt, pick your people, done. powered by OCR and AI pipeline, you can a dinner receipt in seconds with high accuracy and get back to enjoying it. - Trips: no more endlessly chasing 10 people down for the costco run, one screen manages all the finances for your entire trip. - Roomate Ledgers: groceries, utilities, furniture, that one roll of paper towels someone always forgets to buy, keep a running tab so the math never gets lost between you and your roommates. integrated links with venmo, zelle, cashapp, paypal - no awkward "hey did you send me the money for the croissants" texts. no math. no drama.
Screenshots
Verdict
The clearest difference is in-app purchases: Divvy at none against CashChat AI's 2. Divvy also leads on iOS requirement (16.0 vs 18.0). CashChat AI's advantage is ads (none vs shown). On price, update cadence and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. CashChat AI sells 2 in-app purchases, starting at $14.99 per month. Divvy asks for nothing beyond the download.
CashChat AI ships an update monthly, Divvy every 2 weeks. The most recent releases landed on October 22, 2026 and October 11, 2026 respectively.
| Parameter | CashChat AI | Divvy |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Number of ratings | 1 — better | — |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | — |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 18.0 | 16.0 — better |
| Further details — not scored | ||
| Size | 82 MB | 45 MB |
| Age rating | 4+ | 4+ |
| Developer | Hillman Manger | Christen Xie |
In-app purchases
CashChat AI
- CashChat AI Monthly7 Days trial$14.991 Month
- CashChat AI Yearly7 Days trial$119.991 Year
Divvy
No in-app purchases









