Comparison

VaultSplit vs SpendLoop

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

Head to head
About

VaultSplit

Features
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VaultSplit gives modern businesses a simpler way to control what happens to their revenue. Instead of letting every dollar flow into one undifferentiated balance, VaultSplit automatically structures revenue as it arrives, allocating money across Taxes, Expenses, Capital, Savings, and Profit according to the rules you set. As transactions move through your business, VaultSplit reconciles activity, balances your books, maintains organized financial records, and gives you a clearer picture of what you have, what you owe, what you can spend, and what you can reinvest. No spreadsheets. No manual allocation. No guessing what is safe to spend. Your Revenue, structured from the start: Connect the platforms your business already uses and let VaultSplit bring your financial activity into one structured system. Whether revenue comes through Stripe, Shopify, WooCommerce, or another supported source, VaultSplit turns incoming activity into organized financial records. Automatic allocation: Set the rules once and let VaultSplit handle the structure automatically. Revenue can be allocated across: • Taxes • Operating expenses • Capital • Savings • Growth • Flexible spending • Profit Money is given a purpose before it becomes an afterthought. Reconciled financial activity: VaultSplit connects revenue, transactions, payouts, refunds, expenses, and allocations into a clearer financial record. Instead of piecing together what happened across different platforms and spreadsheets, you can see the financial activity of your business in one place. Know what is safe to spend: Revenue is not the same as spendable money. VaultSplit separates obligations and priorities so you can see what belongs to taxes, operations, savings, growth, and available spending. That means fewer decisions made from one large account balance and more decisions made from actual financial structure. Clean financial records: VaultSplit automatically maintains organized financial records as your business operates. Your transactions, allocations, journal activity, and financial movements are structured into a clear record that can be reviewed and exported when needed. Built for modern businesses: VaultSplit is designed for businesses that make money online and need financial control without adding another layer of manual administration. Built for: • E-commerce businesses • Shopify merchants • WooCommerce businesses • Businesses operating through Stripe • DTC and online brands • Freelancers and service businesses • Growing small businesses • Businesses managing multiple revenue streams More than bookkeeping: Traditional accounting tools are built primarily to tell you what happened to your money. VaultSplit is built to help structure what happens next. It creates financial discipline at the point revenue enters the business, so taxes, expenses, savings, capital, and profit do not have to compete for the same pool of cash. VaultSplit is operational financial control for businesses that want clarity before they make financial decisions. Built around clarity: You should not need to become an accountant to understand your business finances. VaultSplit turns complex financial activity into a structured system that helps you understand: • What came in • Where the money was allocated • What has been spent • What remains • What is reserved • What is available • What can be reinvested Your business should be easier to run because it is making money, not harder because it is making more money. VaultSplit brings structure to revenue, clarity to cash flow, and discipline to every financial decision. Auto-renewable subscriptions (Pro Monthly, Pro Yearly) renew unless cancelled 24h before the period ends; manage in App Store settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://sites.google.com/view/vaultsplit-privacy-policy/home

About

SpendLoop

Features
Read full description

SpendLoop: Expense Tracker Made Simple Take control of your money without complicated budgeting apps. SpendLoop helps you track expenses instantly, understand your spending habits, and stay within your monthly budget using a clean and simple interface. TRACK EXPENSES IN SECONDS Add expenses quickly without complicated steps. SpendLoop is designed for fast and effortless expense tracking so you can log spending the moment it happens. UNDERSTAND YOUR SPENDING Interactive insights help you see where your money goes. View your expenses by day, week, month, 6 months, or year and identify patterns in your spending. STAY ON BUDGET Set a monthly budget and track your progress easily. SpendLoop helps you stay in control of your finances and avoid overspending. POWERFUL FEATURES • Quick expense entry • Bulk expense adding • Custom categories and subcategories • Recurring expense reminders • Smart spending insights • Monthly financial reports • Export data to CSV • Clean and minimal design SMART WIDGETS Log expenses quickly from your home screen with widgets that adapt to your most used categories. BUILT FOR SIMPLICITY Most finance apps are complicated. SpendLoop focuses on simplicity so you can track expenses effortlessly. Perfect for: • Students managing daily expenses • Professionals tracking spending • Families planning their budget • Anyone who wants better control over their finances Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

VaultSplit4 screens
SpendLoop4 screens

Verdict

The call

The clearest difference is in-app purchases: VaultSplit at none against SpendLoop's 3. VaultSplit also leads on device support (3 vs 1) and iOS requirement (15.0 vs 17). SpendLoop's advantage is ads (none vs shown). On price and update cadence there is nothing between them.

Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

Both are free to download. SpendLoop sells 3 in-app purchases, starting at $4.99 per month. VaultSplit asks for nothing beyond the download.

UpkeepUpdate frequency

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

Scorecard4 real differences Ā· 2 level
VaultSplit versus SpendLoop: the parameters behind the verdict, then further details
ParameterVaultSplitSpendLoop
PriceFreeFree
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesNo — betterYes
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better17
Further details — not scored
Size105 MB14 MB
Age rating17+4+
DeveloperVaultSplit Inc.Vikas Mawasi

In-app purchases

None

VaultSplit

No in-app purchases

3 purchases

SpendLoop

Subscriptions3
  • SpendLoop Pro Monthly7 Days trial$4.991 Month
  • Founding Member Annual$24.991 Year
  • SpendLoop Pro Yearly$29.991 Year

Questions

Is VaultSplit free?
VaultSplit is free to download, with no in-app purchases.
Is SpendLoop free?
SpendLoop is free to download, with in-app purchases available.
Do VaultSplit or SpendLoop have ads?
VaultSplit shows ads; SpendLoop does not.
Which is updated more often, VaultSplit or SpendLoop?
VaultSplit ships an update every 2 weeks, and SpendLoop every 3 weeks. Most recently, VaultSplit was updated on October 7, 2026 and SpendLoop on October 4, 2026.

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