Comparison

MultiRate vs Spendex

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

Head to head
About

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 – compare several currencies simultaneously - Built-in calculator for quick conversions and totals - Offline mode – 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 You’ll Love It: Whether you’re 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/

About

Spendex

Features
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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

MultiRate3 screens
Spendex4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

MultiRate ships an update every 4 days, Spendex daily. The most recent releases landed on October 24, 2026 and October 8, 2026 respectively.

Scorecard2 real differences Β· 4 level
MultiRate versus Spendex: the parameters behind the verdict, then further details
ParameterMultiRateSpendex
PriceFreeFree
Update frequencyEvery 4 daysDaily β€” better
AdsYesNo β€” better
In-app purchasesYesYes
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.617.0 β€” better
Further details β€” not scored
Size11 MB18 MB
Age rating4+4+
DeveloperAndrii IlchenkoILKER CELEBI

In-app purchases

2 purchases

MultiRate

Subscriptions2
  • Pro Monthly$2.991 Month
  • Pro Yearly$14.991 Year
3 purchases

Spendex

Subscriptions2
  • Spendex Monthly$3.991 Month
  • Spendex Yearly$29.991 Year
One-time1
  • Spendex Lifetime$79.99

Questions

Is MultiRate free?
MultiRate is free to download, with in-app purchases available.
Is Spendex free?
Spendex is free to download, with in-app purchases available.
Do MultiRate or Spendex have ads?
MultiRate shows ads; Spendex does not.
Which is updated more often, MultiRate or Spendex?
MultiRate ships an update every 4 days, and Spendex daily. Most recently, MultiRate was updated on October 24, 2026 and Spendex on October 8, 2026.

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