# I.O.Then vs Clear Budgeting

The clearest difference is price: Clear Budgeting at Free against I.O.Then's $0.99. I.O.Then's advantage is in-app purchases (none vs 2). On review sentiment, update cadence, ads and device support there is nothing between them.

Clear Budgeting is free to download; I.O.Then costs $0.99 up front. Clear Budgeting sells 2 in-app purchases, starting at $0.99 per month. I.O.Then asks for nothing beyond the download.

I.O.Then ships an update every 8 days, Clear Budgeting every 6 days. The most recent releases landed on October 15, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | I.O.Then | Clear Budgeting |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Rating | — | **[5.0 (3 ratings)](https://appshunter.io/ios/app/clear-budgeting/id6757678754/reviews)** |
| Number of ratings | — | **3** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 8 days | **Every 6 days** |
| Monetization | Paid | **Free with in-app purchases** |
| Size | 5 MB | 18 MB |
| Requires iOS | **17.0** | 18.2 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Aleh Rabchuk](https://appshunter.io/developer/1116159085) | [Tom Swope](https://appshunter.io/developer/1642571844) |

## What reviewers say

### I.O.Then

[App page](https://appshunter.io/ios/app/iothen-borrow-tracker/id6757635587)

This app helps you track borrowed items and money, ensuring they are returned on time. It simplifies the process of lending and borrowing by allowing you to record details, set return dates, and get gentle reminders, preventing awkward conversations and lost belongings.

**Highlights:** Track borrowed items and money, Record borrower details, Set return dates, Digital signature capture, Automated reminders, Lending and borrowing history

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

**In-app purchases:** none


### Clear Budgeting

[App page](https://appshunter.io/ios/app/clear-budgeting/id6757678754)

Effortlessly manage your money with automated receipt scanning and intuitive budgeting tools. Track spending, set financial goals, and visualize your financial health with clear charts and insights. Share budgets with family for simplified household financial management.

**Highlights:** Automated receipt scanning, Smart spending categorization, Customizable budgets, Income and savings goal tracking, Family budgeting with shared accounts, Financial trend charts

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Budget Architect Monthly | $0.99 | per month |
| Budget Architect Yearly | $9.99 | per year |


## Frequently asked questions

### Is I.O.Then free?

I.O.Then costs $0.99, with no in-app purchases.

### Is Clear Budgeting free?

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

### Do I.O.Then or Clear Budgeting have ads?

Neither I.O.Then nor Clear Budgeting shows ads.

### Which is updated more often, I.O.Then or Clear Budgeting?

I.O.Then ships an update every 8 days, and Clear Budgeting every 6 days. Most recently, I.O.Then was updated on October 15, 2026 and Clear Budgeting on October 6, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*