Comparison

Vaultam vs Loans

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

Head to head
About

Vaultam

Manage your personal finances with a powerful, offline ledger. Create smart budgets, track savings goals, and gain insights into spending patterns with AI. Log receipts, manage loans, and never miss a payment with automated reminders.

Highlights
  • Offline storage and local backups
  • AI-powered spending insights
  • Smart budgeting based on income
  • Progress tracking for savings goals
  • Automated bill and subscription reminders
  • Receipt scanning
  • Lending and borrowing tracking
Features
Read full description

No accounts. No banks. No tracking. Just you, your money, and clarity. With Vaultam, you can: • Stay in control with one clear dashboard. • Create smart budgets based on your income. • Save for trips, gifts, and big purchases with progress tracking. • Discover spending patterns instantly with AI-powered insights. • Log receipts in seconds with a simple scan. • Track lending & borrowing between friends with ease. • Never miss a bill, salary, or subscription with automated reminders. • Keep everything secure with offline storage and local backups. Vaultam isn’t just another finance app. It’s a ledger reimagined for today — simple, powerful, and 100% offline. Your money, your rules. Always private. Always smart. Always with you. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://vaultam.app/privacy

About

Loans

Easily track borrowed money and items with a smart installment system and detailed contact management. Organize all your financial transactions and loan histories in one place.

Highlights
  • Register money or goods loans
  • Control amounts, start, and due dates
  • Organize by custom categories
  • Smart installment system with interest
  • Track installment status
  • Manage contacts and loan history per person
Features
Read full description

My Loans is the perfect app for anyone who needs to manage borrowed money or items. With an intuitive interface and comprehensive features, you'll have complete control over your personal financial transactions. • **Complete Loan Management** - Register loans of money or goods - Control amounts, start and due dates - Organize by custom categories • **Smart Installment System** - Divide payments into multiple installments - Configure custom interest rates - Track the status of each installment - View paid and pending amounts automatically • **People Management** - Register all the people you lend to - View complete loan history per person - Track individual statistics - Organize your contacts easily Privacy Policy: https://www.privacypolicies.com/live/7fd9b0f8-6ef6-42c5-9e1c-7288d4fed0c7 Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Vaultam4 screens
Loans4 screens

Verdict

The call

Vaultam and Loans are too close to call on the numbers: across 7 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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. Vaultam sells 2 in-app purchases, starting at $3.99 per month and Loans sells 4 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Vaultam ships an update every 11 days, Loans weekly. The most recent releases landed on October 30, 2026 and November 5, 2026 respectively.

ScorecardNo meaningful differences
Vaultam versus Loans: the parameters behind the verdict, then further details
ParameterVaultamLoans
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews—84.6% of reviews
Number of ratings1 — better—
Update frequencyEvery 11 daysWeekly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.1
Further details — not scored
Size30 MB46 MB
Age rating4+4+
DeveloperMAYDAY APPDeusdete Filho

Customer experience

Vaultam

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Loans

Written reviews13 reviews
Positive84.6%
Neutral7.7%
Negative7.7%

In-app purchases

2 purchases

Vaultam

Subscriptions2
  • 1-Month Pro$3.991 Month
  • 1-year$39.991 Year
4 purchases

Loans

Subscriptions3
  • Assinatura Mensal$9.991 Month
  • Assinatura Semestral$49.996 Months
  • Assinatura Anual$69.991 Year
One-time1
  • Assinatura Vitalícia$69.99

Questions

Is Vaultam free?
Vaultam is free to download, with in-app purchases available.
Is Loans free?
Loans is free to download, with in-app purchases available.
Do Vaultam or Loans have ads?
Neither Vaultam nor Loans shows ads.
Which is updated more often, Vaultam or Loans?
Vaultam ships an update every 11 days, and Loans weekly. Most recently, Vaultam was updated on October 30, 2026 and Loans on November 5, 2026.

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