EarnIt vs Arete
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
EarnIt
This app helps parents manage chores and allowances for younger children, teaching them valuable money management skills like saving, spending, and giving. It offers a fun, gamified experience with badges and rewards, while keeping financial details private and secure.
- Gamified chore completion with badges and levels
- Automatic money splits for saving, spending, and charity
- Customizable chore lists and rewards
- Savings goal tracking
- Parental approval of completed chores
- Kid PIN logins (Premium)
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EarnIt is the free chore tracker and allowance app that teaches kids to save, spend, and give — with no debit card, no bank account, and no SSN required. Chores are free and unlimited; Premium is just $30/year. Unlike kids' "banking" apps built for teens, EarnIt is made for younger kids (ages 4–16) and keeps it simple: parents track earnings, kids build real money habits, and no one hands over financial details. NEW IN 2.4: • Kids can ask to cash out (Premium) — your kid requests a payout, you get a notification and approve or decline in the app • Chore Chart (Premium) — flip between Assigned and Completed to see the plan or the record for the whole family's week • Earnings & balance graph (Premium) — see what each kid earned each week or month, and watch savings grow over time • Sign in with Apple or Google — one tap, no password to remember MAKING CHORES FUN: • Kids earn badges and level up — from Rookie to Legend • A collectible buddy hatches and grows as chores get done • A celebration every time a chore is completed • Streaks keep kids motivated — and forgive an off day WHAT EARNIT DOES: • Kids see their earnings grow — motivating them to complete chores • Automatic money splits teach saving habits early • Clear chores and fair rewards help reduce household arguments • Designed for ages 4–16 FOR PARENTS: • Create daily, weekly, or custom chore lists • Set dollar amounts (or point values) for each chore • Require a photo on any chore list you want proof for • Approve completed work with one tap • Track allowance payments automatically • Set up earning splits (Savings, Wallet, Charity) • Unlimited chores — no cap SMART MONEY SPLITS: Every dollar earned automatically splits into categories you choose: • Wallet — spending money • Savings — for big goals • Charity — teach generosity Customize percentages to match your family's values. Or run your family on points, where everything lands in one simple pool. SAVINGS GOALS: Set goals for things kids want (new bike, video game, and more), add a photo of it, and watch progress grow with every chore completed. FREE VS PREMIUM: Free (forever): • Up to 2 kids • 1 parent account • Up to 2 chore lists • Up to 2 savings goals • Unlimited chores • Money or points — your choice • No ads, ever Premium ($5/mo or $30/yr — no card fees, no bank link): • Up to 10 kids • 2 parent accounts • Up to 200 chore lists • Up to 20 savings goals • Kid PIN logins — kids get their own safe login • Kids can submit completed chores for parent approval • Kids can request cash-outs — you approve right in the app • Chore Chart and the earnings & balance graph • Automatic allowance on your schedule, and up-for-grabs chores any kid can claim • Photo proof on finished chores • Badges, levels, streaks and the collectible buddy • Push notifications for reminders and approvals • Profile photos and avatars for kids WHY EARNIT INSTEAD OF A KIDS' DEBIT CARD? • No monthly card fees — one low price, or use it free • No bank account, no SSN, no credit check • Works great for younger kids, not just teenagers • You stay in control — it's a teaching tool, not a bank Works on iPhone and iPad, always in sync. Available in English, Spanish, German, French and Portuguese. Six currencies (USD, EUR, GBP, CAD, AUD, MXN) — or points. Built by a dad of 5 who needed a better way to manage chores and teach his kids about money. Download free and start building better habits today! Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Arete
This AI-powered personal development app uses Stoic philosophy to guide self-improvement. Interact with historical figures as your personal counselors to challenge your thinking, build disciplines, and hold yourself accountable to your ideal self.
- AI-powered personal development
- Cabinet of 23 historical counselors
- Customizable daily routines
- Discipline streak tracking
- Personalized essays
- Focus timer and deep work tracker
- Journaling and goal setting
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Arete: Be Who You Want to Be Most self-improvement apps tell you what to do. Arete asks who you want to become. Arete is an AI-powered personal development app built on Stoic philosophy. At its core is your Cabinet — a council of 23 philosophers, warriors, leaders, and thinkers who know you, challenge you, and hold you to the standard you set for yourself. Speak with Marcus Aurelius about what's keeping you stuck. Ask Epictetus why you keep making the same mistake. Bring a decision to the full Cabinet and hear it debated from every angle. The conversations are grounded in the actual writings of each counselor — not generic advice dressed in historical costume. What's inside Arete: The Cabinet — 23 counselors across Stoics, warriors, athletes, builders, writers, and spiritual traditions. Each one has a distinct voice, philosophy, and way of pushing back. Daily Routine — Customizable morning and evening checklists. Build the disciplines that matter and keep the chain unbroken. Days of Discipline — A streak that tracks whether you showed up fully, every day. Your Scrolls — Personalized essays written in your counselor's voice on the topics that matter to you right now. Focus Timer — A reading and deep work tracker that logs your sessions and pages over time. Journal — Capture reflections, quotes, ideas, and beliefs. Let Socrates examine them. Goals — Set goals by category, track progress, and let your counselors hold you accountable. Arete is built for the person who genuinely wants to close the gap between who they are and who they ought to be. Not who they want others to think they are. Who they ought to be. That is what this is for. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: Arete at none against EarnIt's 2. Arete also leads on rating (5.0 vs 4.6). EarnIt's advantage is ratings volume (7 vs 2). On price, update cadence, ads and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. EarnIt sells 2 in-app purchases, starting at $5.00 per month. Arete asks for nothing beyond the download.
Arete holds the better App Store score, 5.0 against 4.6. Both are backed by a comparable volume of ratings — 7 and 2 respectively.
EarnIt ships an update every 5 days, Arete weekly. The most recent releases landed on October 13, 2026 and October 14, 2026 respectively.
| Parameter | EarnIt | Arete |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (7 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 7 — better | 2 |
| Update frequency | Every 5 days — better | Weekly |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | Free — better |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.4 | 16.4 |
| Further details — not scored | ||
| Size | 58 MB | 54 MB |
| Age rating | 4+ | 4+ |
| Developer | Rooks Labs LLC | Kyle Emery |
Customer experience
EarnIt
Arete
In-app purchases
EarnIt
- Earn It Premium Monthly$5.001 Month
- Earn It Premium Annual$30.001 Year
Arete
No in-app purchases








