MultiRate vs Spendex
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
MultiRate
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Currency Converter & Calculator is a fast, simple, and powerful app for converting currencies and calculating exchange rates in real time. Perfect for travelers, investors, online shoppers, freelancers, and anyone who deals with multiple currencies. Key Features: - Convert single or multiple currency pairs at once - Live exchange rates with regular updates - Multi-currency mode β compare several currencies simultaneously - Built-in calculator for quick conversions and totals - Offline mode β access your last updated rates without internet - Support for major and minor world currencies - Fast, lightweight, and easy to use interface - No account required Why Youβll Love It: Whether youβre traveling abroad, shopping online in foreign currencies, tracking investments, or working with international clients, this app helps you instantly understand the real value of your money. Designed with a clean and intuitive interface, the app makes currency conversion effortless and accurate β anytime, anywhere. Use Cases: Travel budgeting International shopping Freelance & remote work payments Crypto and forex reference (fiat conversion) Personal finance tracking Download now and take full control of your currency conversions β simple, fast, and always up to date. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Spendex
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Spendex is a powerful, privacy-first personal finance app designed to help you master your money with professional-grade tools and AI-driven insights. SMART BUDGET TRACKING β’ Set monthly budgets by category and track spending in real time β’ Get smart notifications when you're approaching your budget limits β’ Visual progress indicators show exactly where your money goes AI FINANCIAL ASSISTANT β’ Get personalized AI-powered financial insights based on your data β’ Chat with your personal AI advisor about spending habits and goals β’ Export AI analysis reports as professional PDF documents MULTIPLE ACCOUNTS β’ Manage checking, savings, credit cards, cash, and investment accounts β’ Track balances across all your accounts in one dashboard β’ Multi-currency support for international transactions POWERFUL ANALYTICS β’ Interactive charts and spending heatmaps on a calendar view β’ Monthly trend analysis with income vs. expense breakdowns β’ Category-level insights to understand your spending patterns RECURRING PAYMENTS β’ Never miss a bill β track subscriptions and recurring expenses β’ Smart reminders for upcoming due dates β’ Timeline view of all scheduled payments RECEIPT SCANNING β’ Scan receipts with your camera to auto-fill transactions β’ Save time on manual data entry PRIVACY & SECURITY β’ All data stored locally on your device β your finances stay private β’ Face ID and biometric authentication β’ Privacy Shield mode to blur sensitive data instantly EXPORT & BACKUP β’ Export transactions as CSV or detailed PDF reports β’ Advanced filters by date range and category β’ Manual backup and restore to keep your data safe BEAUTIFUL DESIGN β’ Clean, modern interface with light and dark mode support β’ Available in English, Turkish, German, French, Italian, and Arabic PREMIUM FEATURES β’ Unlimited accounts and full analytics history β’ AI Financial Assistant and Smart Insights β’ Advanced CSV/PDF export with custom filters β’ Receipt scanning and custom categories Download Spendex today and take the first step toward financial clarity.
Screenshots
Verdict
The clearest difference is ads: Spendex at none against MultiRate's shown. Spendex also leads on update cadence (daily vs every 4 days). On price, in-app purchases, device support 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
Both are free to download. MultiRate sells 2 in-app purchases, starting at $2.99 per month and Spendex sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.
MultiRate ships an update every 4 days, Spendex daily. The most recent releases landed on October 24, 2026 and October 8, 2026 respectively.
| Parameter | MultiRate | Spendex |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 4 days | Daily β better |
| Ads | Yes | No β better |
| In-app purchases | Yes | Yes |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.6 | 17.0 β better |
| Further details β not scored | ||
| Size | 11 MB | 18 MB |
| Age rating | 4+ | 4+ |
| Developer | Andrii Ilchenko | ILKER CELEBI |
In-app purchases
MultiRate
- Pro Monthly$2.991 Month
- Pro Yearly$14.991 Year
Spendex
- Spendex Monthly$3.991 Month
- Spendex Yearly$29.991 Year
- Spendex Lifetime$79.99









