# CrediyWay vs SpendBook

The clearest difference is in-app purchases: CrediyWay at none against SpendBook's 2. CrediyWay also leads on ads (none vs shown). SpendBook's advantage is update cadence (every 4 days vs every 7 months). On price, device support and iOS requirement there is nothing between them.

Both are free to download. SpendBook sells 2 in-app purchases, starting at $0.99 per month. CrediyWay asks for nothing beyond the download.

CrediyWay ships an update every 7 months, SpendBook every 4 days. The most recent releases landed on October 31, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | CrediyWay | SpendBook |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/crediyway/id6758607994/reviews)** | — |
| Number of ratings | **2** | — |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 7 months | **Every 4 days** |
| Monetization | Free | — |
| Size | 36 MB | 78 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [AMAPOLA FINANCIAL SERVICES S.C.](https://appshunter.io/developer/1873915281) | [DEVSKREW](https://appshunter.io/developer/1867448636) |

## What reviewers say

### CrediyWay

[App page](https://appshunter.io/ios/app/crediyway/id6758607994)

This app helps you understand the true cost of loans by calculating the Annual Percentage Rate (APR) and managing your repayments. It offers personalized loan matching and side-by-side comparisons for informed financial decisions.

**Highlights:** Calculate true APR with all fees, Personalized loan matching, Side-by-side loan comparison, Repayment calendar and reminders, Financial term flashcards, Independent third-party analysis

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

**In-app purchases:** none


### SpendBook

[App page](https://appshunter.io/ios/app/spendbook-expense-tracker/id6761055631)

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

**In-app purchases (2)**

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


## Frequently asked questions

### Is CrediyWay free?

CrediyWay is free to download, with no in-app purchases.

### Is SpendBook free?

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

### Do CrediyWay or SpendBook have ads?

SpendBook shows ads; CrediyWay does not.

### Which is updated more often, CrediyWay or SpendBook?

CrediyWay ships an update every 7 months, and SpendBook every 4 days. Most recently, CrediyWay was updated on October 31, 2026 and SpendBook on October 25, 2026.

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