Comparison

SpendeePlus vs Займы онлайнㅤㅤㅤㅤㅤ

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

Head to head
About

SpendeePlus

Track your spending and manage budgets effortlessly without needing bank logins. Set financial goals, monitor savings, and gain insights into your spending habits with customizable categories and alerts. Your financial data remains private and on your device.

Highlights
  • Expense and income tracking
  • Customizable budgets and goals
  • Multiple wallet management
  • Savings goal progress visualization
  • Financial insights and charts
  • Privacy-focused design
  • iCloud sync
Features
Read full description

Know exactly where your money goes — no spreadsheets, no bank logins. Add an expense in seconds, set a budget for any category, and watch your savings goal fill up. Your data stays on your iPhone. TRACK WHAT YOU SPEND • Income and expenses in seconds, with categories you can rename, recolor and give your own icon • Multiple wallets: cash, cards, savings, each in its own currency • Transfers between wallets, converted at today's rate and kept out of your spending totals • Search, filters and a running balance for any period BUDGETS AND GOALS • Weekly, monthly or custom budgets per category, in the currency you choose • Alerts before you cross the line, not after • Savings goals with a target date and progress you can see • A daily allowance that tells you what is left to spend today UNDERSTAND YOUR MONEY • Charts by category, income against expenses, and a daily breakdown • Month-over-month comparisons and cash-flow summaries • Insights that point at what changed and why, and CSV export of any period • A daily streak that makes tracking a habit PRO • Unlimited wallets and budgets • Recurring payments created for you, with reminders • PDF reports of any period • iCloud sync across your iPhones and iPads PREMIUM • Everything in Pro, plus AI insights: spending patterns, quiet leaks, and advice written for your numbers PRIVATE BY DESIGN • Your data lives on your device, and in your own iCloud when sync is on — no analytics, no tracking, no ads • Face ID or Touch ID lock, with a privacy cover in the app switcher • Export or delete everything at any time Available in 22 languages, with local currency and date formats. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the period. Payment is charged to your Apple Account. Manage or cancel in Settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Займы онлайнㅤㅤㅤㅤㅤ

Apply for a loan quickly and easily through a short online form. Receive funds directly to your Russian bank card within minutes. Applications are processed 24/7.

Highlights
  • Online loan application
  • Funds transferred to bank card
  • 24/7 application processing
  • Fast decision within 5 minutes
  • Variable annual interest rates
Read full description

С помощью приложения "Займы Онлайн Подзалог" вы можете оформить заявку на получение займа. Заполните короткую анкету и получите деньги на карту. Рассмотрение заявок происходит без выходных, 24/7. Обратите внимание, что деньги могут быть зачислены только на банковскую карту, выпущенную банками на территории Российской Федерации. Решение о выдаче займа, как правило, происходит в течении 5 минут. Годовая процентная ставка может варьироваться от минимальной 25,9% до максимальной 33,85%. Минимальный период для погашения долга составляет 62 дня, а максимальный - 365 дней. ООО МКК "Подзалог" Лицензия ЦБ РФ № 2403045010125 от 30.07.2025 ОГРН: 2504169010174 Адрес: 634059, Томская область, г. Томск, ул. Старо-деповская, д. 37, офис 10

Screenshots

SpendeePlus4 screens
Займы онлайнㅤㅤㅤㅤㅤ3 screens

Verdict

The call

The clearest difference is rating: SpendeePlus at 5.0 against Займы онлайнㅤㅤㅤㅤㅤ's 3.8. Займы онлайнㅤㅤㅤㅤㅤ's advantage is in-app purchases (none vs 5) and update cadence (every 3 days vs every 12 months). On price, ratings volume, ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. SpendeePlus sells 5 in-app purchases, starting at $1.99 per month. Займы онлайнㅤㅤㅤㅤㅤ asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

SpendeePlus holds the better App Store score, 5.0 against 3.8. Both are backed by a comparable volume of ratings — 4 and 4 respectively.

UpkeepUpdate frequency

SpendeePlus ships an update every 12 months, Займы онлайнㅤㅤㅤㅤㅤ every 3 days. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 4 level
SpendeePlus versus Займы онлайнㅤㅤㅤㅤㅤ: the parameters behind the verdict, then further details
ParameterSpendeePlusЗаймы онлайнㅤㅤㅤㅤㅤ
PriceFreeFree
Rating5.0 (4 ratings) — better3.8 (4 ratings)
Number of ratings44
Update frequencyEvery 12 monthsEvery 3 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
DevicesiPhoneiPhone, iPod — better
Requires iOS18.015.6 — better
Further details — not scored
Size9 MB31 MB
Age rating4+4+
DeveloperIaroslav SarchukPODZALOG, OOO

In-app purchases

5 purchases

SpendeePlus

Subscriptions4
  • Pro Monthly$1.991 Month
  • Premium Monthly$2.991 Month
  • Pro Yearly$17.991 Year
Show 1 more
  • Premium Yearly$24.991 Year
One-time1
  • Lifetime Access$89.99
None

Займы онлайнㅤㅤㅤㅤㅤ

No in-app purchases

Questions

Is SpendeePlus free?
SpendeePlus is free to download, with in-app purchases available.
Is Займы онлайнㅤㅤㅤㅤㅤ free?
Займы онлайнㅤㅤㅤㅤㅤ is free to download, with no in-app purchases.
Which has better reviews, SpendeePlus or Займы онлайнㅤㅤㅤㅤㅤ?
SpendeePlus is rated higher. SpendeePlus averages 5.0 out of 5 from 4 ratings, while Займы онлайнㅤㅤㅤㅤㅤ averages 3.8 from 4 ratings.
Do SpendeePlus or Займы онлайнㅤㅤㅤㅤㅤ have ads?
Neither SpendeePlus nor Займы онлайнㅤㅤㅤㅤㅤ shows ads.
Which is updated more often, SpendeePlus or Займы онлайнㅤㅤㅤㅤㅤ?
SpendeePlus ships an update every 12 months, and Займы онлайнㅤㅤㅤㅤㅤ every 3 days. Most recently, SpendeePlus was updated on October 25, 2026 and Займы онлайнㅤㅤㅤㅤㅤ on October 24, 2026.

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