# VaultSplit vs Mochi

The clearest difference is in-app purchases: VaultSplit at none against Mochi's 3. VaultSplit also leads on device support (3 vs 1) and iOS requirement (15.0 vs 26.0). Mochi's advantage is ads (none vs shown) and update cadence (every 3 days vs every 2 weeks). On price there is nothing between them.

Both are free to download. Mochi sells 3 in-app purchases, starting at $2.99 per month. VaultSplit asks for nothing beyond the download.

VaultSplit ships an update every 2 weeks, Mochi every 3 days. The most recent releases landed on October 7, 2026 and October 4, 2026 respectively.

## The numbers

| Metric | VaultSplit | Mochi |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Every 3 days** |
| Monetization | — | Freemium |
| Size | 105 MB | 19 MB |
| Requires iOS | **15.0** | 26.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [VaultSplit Inc.](https://appshunter.io/developer/1824538647) | [Harsha Chaganti](https://appshunter.io/developer/1875492396) |

## What reviewers say

### VaultSplit

[App page](https://appshunter.io/ios/app/vaultsplit/id6748158414)

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

**In-app purchases:** none


### Mochi

[App page](https://appshunter.io/ios/app/mochi-expense-tracker/id6758880826)

This app offers a calm and minimal way to track your spending without overwhelming features. It focuses on simple awareness, allowing you to quickly log expenses and gain insights into your spending habits. Designed for privacy, your data stays on your device.

**Highlights:** Fast manual expense logging, Recurring expenses, Clean, distraction-free interface, Refined insights and spending history, Search and filters for past entries, Home screen widgets, Privacy-first design

**Features:** Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Mochi+ Monthly | $2.99 | per month |
| Mochi+ Annual | $19.99 | per year |
| Mochi+ Lifetime | $39.99 | one-time |


## Frequently asked questions

### Is VaultSplit free?

VaultSplit is free to download, with no in-app purchases.

### Is Mochi free?

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

### Do VaultSplit or Mochi have ads?

VaultSplit shows ads; Mochi does not.

### Which is updated more often, VaultSplit or Mochi?

VaultSplit ships an update every 2 weeks, and Mochi every 3 days. Most recently, VaultSplit was updated on October 7, 2026 and Mochi on October 4, 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.*