Comparison

Hearth vs Fynko

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

Head to head
About

Hearth

This app helps couples manage their finances together with shared envelopes for bills, groceries, and savings. It offers real-time expense tracking, optional bank syncing, and AI receipt scanning for easy logging. Budgeting becomes simpler and more transparent for both partners.

Highlights
  • Shared envelopes for joint budgeting
  • Real-time expense tracking
  • Optional bank account syncing
  • AI receipt scanning
  • Spending insights and trends
  • Shared recurring bills management
Features
Read full description

Finally, a budget you and your partner will both actually use. Hearth is envelope budgeting built for couples: simple enough that you'll both stick with it. Create shared envelopes for groceries, bills, dining, and savings. Both partners see the same budget in real time, log expenses from either phone, and always know what's left before they spend. Type purchases in yourself, or connect your bank and just approve what comes in. WHY COUPLES CHOOSE HEARTH - NEW: Carry forward: unspent money rolls into next month instead of resetting to zero - NEW: Envelope types: Fixed for steady bills, Variable for everyday spending, Savings with a goal and a date - NEW: Check-in rhythm: see if you're on pace for the week, the fortnight, or the half month - NEW: Insights filtered to one partner, not just the household total - Bank sync (optional): transactions arrive on their own, and nothing touches your budget until you approve it - Shared envelopes built for two, always in sync - Real-time expense tracking across both phones - AI receipt scanning: snap a receipt, skip the typing - Privacy-first: bank connection is optional, read-only, and powered by Plaid - Shared payees and recurring bills - Spending heatmaps, trends, and category insights Start free with full partner sharing and unlimited transactions. Upgrade to unlock more envelopes when you're ready. Less money stress. More clarity. Budget together with Hearth. — Support: support@hearthbudget.com Privacy: hearthbudget.com/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Fynko

Features
Read full description

Fynko es la app de finanzas pensada para parejas y familias peruanas que quieren llevar el control real de su dinero, sin complicaciones. CONTROLA TUS GASTOS COMO NUNCA • Registra gastos e ingresos en segundos • Organiza tus movimientos por categoría: comida, transporte, servicios, entretenimiento y más • Visualiza tu balance del mes al instante con un dashboard claro y moderno • Presupuestos mensuales para no pasarte de lo planeado • Metas de ahorro con progreso visual EL HOGAR, EN EQUIPO • Comparte cuentas con tu pareja o familia • Todos ven los gastos en tiempo real • Sin discusiones, sin hojas de Excel • Cada miembro aporta desde su propio celular MULTI-MONEDA • Maneja soles, dólares y más • Perfecto para quien cobra en una moneda y gasta en otra • Conversiones al tipo de cambio del día PREMIUM Desbloquea lo mejor de Fynko: • Temas premium para personalizar la app a tu estilo • Estadísticas avanzadas y reportes detallados • Miembros familiares ilimitados • Soporte prioritario Planes disponibles: • Mensual: $2.99 / mes • Anual: $19.99 / año (ahorra 44%) La suscripción se renueva automáticamente al final de cada período. Puedes cancelarla cuando quieras desde Ajustes > Apple ID > Suscripciones. PRIVACIDAD PRIMERO Tus datos financieros están encriptados. Nunca los vendemos, nunca los compartimos con terceros para publicidad. Consulta nuestra Política de Privacidad dentro de la app. Descarga Fynko hoy y toma el control real de tu dinero, junto a quienes más importan. Soporte: soporte@fynko.app Términos de Uso (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Política de Privacidad: https://gist.github.com/dvalenzuelaiglesias-lang/f4c394e59d6353fa31adf45f254c154d

Screenshots

Hearth4 screens
Fynko4 screens

Verdict

The call

The clearest difference is ads: Fynko at none against Hearth's shown. Hearth's advantage is update cadence (every 4 days vs monthly). On price, in-app purchases, device support and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Hearth sells 4 in-app purchases, starting at $1.99 per month and Fynko sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Hearth ships an update every 4 days, Fynko monthly. The most recent releases landed on October 25, 2026 and October 13, 2026 respectively.

Scorecard2 real differences · 8 level
Hearth versus Fynko: the parameters behind the verdict, then further details
ParameterHearthFynko
PriceFreeFree
Rating5.0 (6 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings6 — better—
Update frequencyEvery 4 days — betterMonthly
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size81 MB39 MB
Age rating4+4+
DeveloperMarcin BrzuzyDiego Valenzuela

In-app purchases

4 purchases

Hearth

Subscriptions4
  • Hearth Premium Monthly14 Days trial$1.991 Month
  • Hearth Premium Monthly$4.991 Month
  • Premium Annual14 Days trial$11.991 Year
Show 1 more
  • Hearth Budget Premium Annual3 Days trial$34.991 Year
2 purchases

Fynko

Subscriptions2
  • Fynko Premium Monthly$2.991 Month
  • Fynko Premium Yearly$19.991 Year

Questions

Is Hearth free?
Hearth is free to download, with in-app purchases available.
Is Fynko free?
Fynko is free to download, with in-app purchases available.
Do Hearth or Fynko have ads?
Hearth shows ads; Fynko does not.
Which is updated more often, Hearth or Fynko?
Hearth ships an update every 4 days, and Fynko monthly. Most recently, Hearth was updated on October 25, 2026 and Fynko on October 13, 2026.

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