Comparison

Finrup vs Cently

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

Head to head
About

Finrup

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TAKE CONTROL OF YOUR FINANCES WITH FINRUP Finrup is the powerful yet simple expense tracker and budget manager that helps you manage money effortlessly. Track spending, monitor income, set financial goals, and gain complete control over your personal financesβ€”all in one beautifully designed app. β–  APPLE INTELLIGENCE POWERED β€’ Smart category suggestions using Apple Intelligence β€’ Get personalized expense categorization β€’ Intelligent insights for better financial decisions β€’ Easy onboarding with AI-guided setup β–  SMART BUDGET MANAGEMENT β€’ Set monthly and yearly budgets for any category β€’ Get intelligent budget suggestions based on your spending history β€’ Smart suggestions analyze transaction trends using advanced statistical methods β€’ Visual progress indicators show budget usage at a glance β€’ Over-budget warnings help you stay on track β€’ Budget tracking for both income and expense categories β€’ Multi-currency budget support β–  SIRI & SHORTCUTS INTEGRATION β€’ Add expenses with Siri voice commands β€’ Create custom shortcuts for recurring transactions β€’ Check account balances hands-free β€’ Quick transaction logging on the go β–  POWERFUL EXPENSE TRACKING β€’ Track all income and expenses instantly β€’ Categorize spending with custom categories & subcategories β€’ Attach notes and details to every transaction β€’ Fast search through your entire transaction history β€’ Multi-currency support with conversion tracking β–  ACCOUNT MANAGEMENT β€’ Manage unlimited accounts (bank, cash, credit cards, investments) β€’ Track balances across all accounts in real-time β€’ Support for multiple currencies β€’ Import/export data easily β€’ Complete backup and restore functionality β–  SMART BUDGETING & GOALS β€’ Set and track financial goals β€’ Monitor goal progress with visual insights β€’ Plan for savings, debt reduction, or major purchases β€’ Stay motivated with achievement tracking β–  RECURRING TRANSACTIONS β€’ Set up automatic recurring income/expenses β€’ Never forget regular bills or subscriptions β€’ Manage scheduled transactions effortlessly β€’ Edit or skip occurrences as needed β–  MULTIPLE PROFILES β€’ Create separate profiles for personal, business, or family β€’ Switch between profiles instantly β€’ Keep finances organized and separated β€’ Perfect for freelancers and small business owners β–  FAVORITES & QUICK ACCESS β€’ Favorite frequently used transactions, accounts, and categories β€’ Quick access to your most important items in one place β€’ Organized favorites list grouped by type β€’ Home screen widgets for quick balance checks β€’ Add transactions without opening the app β€’ Glanceable financial overview β–  PRIVACY & SECURITY β€’ All data stored securely on your device and your iCloud β€’ No cloud sync means complete privacy β€’ Your financial data never leaves your device β€’ Full control over your sensitive information β–  BEAUTIFUL & FAST β€’ Clean, intuitive interface β€’ Lightning-fast performance β€’ Dark mode support β€’ Designed for iOS, iPadOS, visionOS and macOS PERFECT FOR: β€’ Personal finance management β€’ Small business expense tracking β€’ Freelancer income/expense monitoring β€’ Budget-conscious individuals β€’ Anyone wanting better financial control WHY CHOOSE FINRUP? Unlike complex budgeting apps, Finrup focuses on speed and simplicity without sacrificing power. Track transactions in seconds, not minutes. Get intelligent budget suggestions based on your actual spending patterns. Monitor your budgets with beautiful visual progress indicators. Manage money the way it should beβ€”fast, private, and effortless. Download Finrup today and start your journey to financial clarity! --- SUPPORT Need help? Contact us at finrup@amritghimire.com ---

About

Cently

Features
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Cently turns your bank accounts, credit cards, and receipts into clear answers and simple next steps, no spreadsheets, no guesswork. Connect your accounts in minutes with Plaid, or upload CSV files from any bank. Cently cleans, categorizes, and enriches every transaction automatically, so your financial picture stays accurate and current. Ask anything about your money Chat with Cently in plain English. Ask "What did I spend the most on last month?" or "Which subscriptions can I cancel to save money?" and get real answers, complete with charts, comparisons, and summaries built from your actual data. A financial assistant that reaches out first Cently doesn't just wait for you to ask. When something's worth knowing, a new subscription, an unusual charge, a shift in your spending, it starts the conversation and explains what's going on in plain English. Turn it on or off anytime in Settings. Receipt and invoice parsing Snap a photo or upload a PDF. Cently pulls out every line item and matches it to the right transaction, so you get tax-ready records without typing a thing. Spending insights at a glance Your home dashboard shows spending by category, monthly trends, and recent activity. Pin what matters most and set spend alerts so nothing catches you off guard. Smart categorization that learns Cently categorizes transactions automatically and gets sharper the more you use it, learning from your own spending patterns instead of a generic model. Bank-grade security SOC 2 Type II certified. TLS encryption in transit, AES-256 at rest. Powered by Plaid and Stripe. We never sell your data, and deleting your account is permanent, not just deactivated. Start your 7-day free trial. No credit card required. Cancel anytime. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://cently.ai/privacy

Screenshots

Finrup4 screens
Cently4 screens

Verdict

The call

The clearest difference is in-app purchases: Finrup at none against Cently's 2. Finrup also leads on device support (4 vs 2). Cently's advantage is update cadence (every 2 days vs every 2 weeks). On price, ads and iOS requirement there is nothing between them.

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

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

Both are free to download. Cently sells 2 in-app purchases, starting at $7.99 per month. Finrup asks for nothing beyond the download.

UpkeepUpdate frequency

Finrup ships an update every 2 weeks, Cently every 2 days. The most recent releases landed on October 25, 2026 and October 31, 2026 respectively.

Scorecard3 real differences Β· 3 level
Finrup versus Cently: the parameters behind the verdict, then further details
ParameterFinrupCently
PriceFreeFree
Update frequencyEvery 2 weeksEvery 2 days β€” better
AdsNoNo
In-app purchasesNo β€” betterYes
DevicesiPhone, iPad, Mac, Vision Pro β€” betteriPhone, iPad
Requires iOS18.518.0 β€” better
Further details β€” not scored
Size19 MB23 MB
Age rating4+4+
DeveloperRanjit GhimireupCaret

In-app purchases

None

Finrup

No in-app purchases

2 purchases

Cently

Subscriptions2
  • Cently Pro7 Days trial$7.991 Month
  • Cently Pro7 Days trial$79.991 Year

Questions

Is Finrup free?
Finrup is free to download, with no in-app purchases.
Is Cently free?
Cently is free to download, with in-app purchases available.
Do Finrup or Cently have ads?
Neither Finrup nor Cently shows ads.
Which is updated more often, Finrup or Cently?
Finrup ships an update every 2 weeks, and Cently every 2 days. Most recently, Finrup was updated on October 25, 2026 and Cently on October 31, 2026.

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