Lode vs Finsepa
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Lode
Effortlessly track expenses using natural language input or by scanning receipts. This AI-powered app categorizes transactions, provides insights into spending, and helps with budgeting and bill reminders. It offers secure iCloud syncing and is designed with privacy in mind.
- Natural language expense entry
- AI-powered receipt scanning
- Chat-based financial insights
- Budgeting and bill reminders
- Income and spending statistics
- Secure iCloud syncing
- Multi-currency support
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Lode is an AI expense tracker that turns plain language into clean personal finance records. Type "coffee 5" or just say what you spent — Lode creates the transaction for you. No long forms, no menu diving. AI detects the category, amount, date, note, and currency, then keeps your money organized. SMART, EFFORTLESS ENTRY - Natural language: write or speak a few words, get a ready transaction - Scan receipts — AI reads the amount, store, and date - Learns your habits for faster, more accurate categorizing ASK LODE ANYTHING - Chat with Lode about your money — "How much did I spend on coffee this month?" - Get plain-language answers about balances, budgets, and trends - Ask hands-free with Siri, too SEE WHERE YOUR MONEY GOES - Income and spending statistics, side by side - Daily cost and daily income, trends, and category breakdowns - Smart insights that explain your numbers in plain words PLAN AHEAD - Budgets with alerts before you overspend - Bills and reminders so nothing slips - Savings goals with progress tracking - Debts — who owes whom, and how much is left BUILT FOR REAL LIFE - Multiple currencies with live exchange rates and a built-in converter - Shared accounts for family or partners, synced across devices - Home Screen, Lock Screen, and Control Center widgets - Siri Shortcuts to add transactions, check balances and budgets, or hear a monthly report - Smart import from CSV, Excel, or other finance apps — AI maps your data automatically PRIVATE BY DESIGN - Your data syncs securely through iCloud - No ads, no selling your data Start with a few words. Lode does the rest. Terms of Use (EULA): https://lodefinance.com/term-of-use Privacy Policy: https://lodefinance.com/privacy-policy
Finsepa
Track stocks, crypto, ETFs, and more in one place. Monitor your portfolio, build watchlists, and stay updated on market events and earnings without needing multiple apps.
- Live market tracking
- Portfolio management
- Watchlist creation
- Earnings and economic calendars
- Historical fundamental data
- Superinvestor filings
- Insider data
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Track your portfolio. Research your next investment. Finsepa brings portfolio tracking and investment research together. Understand what you own, see what drives your returns, and explore stocks, crypto, ETFs, indices, and currencies — on web and iPhone. YOUR PORTFOLIO, CLEARLY UNDERSTOOD • See your portfolio value, holdings, and allocation • Track returns and compare performance with benchmarks • Follow dividend history, upcoming payments, and monthly income • Manage portfolios separately or view them together • Set investment goals and track your progress RESEARCH YOUR NEXT INVESTMENT • Browse markets and search for assets • Build watchlists to follow what matters to you • Explore company fundamentals and historical financial data • Follow superinvestor filings and insider activity • Keep up with earnings and economic calendars • Explore portfolios shared by other investors LESS UPDATING. MORE UNDERSTANDING. With Pro, connect a supported brokerage account through SnapTrade to sync your investment data automatically. You can also manage your portfolio manually by adding transactions or importing a broker CSV. YOUR INVESTMENTS, ON THE GO Check your portfolio, follow superinvestors, and keep up with earnings wherever the day takes you. Your plan includes access on both web and iPhone. START FREE Finsepa is free to download. The Free plan includes: • One manually managed portfolio with up to 15 assets • One watchlist • Company and market research tools • Access on web and iPhone GO FURTHER WITH PRO Upgrade for: • Multiple portfolios and watchlists • Unlimited assets in your portfolios • Detailed portfolio analytics • Investment goals and progress tracking • Supported brokerage connections and automatic sync • Combined portfolio value and performance • Public portfolio sharing • Earnings and company report notifications • Priority support via Telegram and WhatsApp Some features described above require Pro. Pro is available as an auto-renewable subscription through Apple. Manage or cancel your subscription in your Apple account settings. Finsepa is for research and portfolio tracking. It does not provide investment, tax, or legal advice. Nothing in the app is a recommendation to buy or sell. Questions: hi@finsepa.com Website: https://www.finsepa.com Terms of Use: https://www.finsepa.com/terms-of-service Privacy Policy: https://www.finsepa.com/privacy-policy
Screenshots
Verdict
The clearest difference is ratings volume: Lode at 8 against Finsepa's 1. Lode also leads on iOS requirement (18.0 vs 26.0). On price, rating, update cadence and ads 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. Lode sells 3 in-app purchases, starting at $3.99 per month and Finsepa sells 2 in-app purchases, starting at $12.99 per month. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 5.0 for Lode against 5.0 for Finsepa. That said, the two scores are not equally well evidenced: Lode has 8 ratings behind it against 1, so its average is the more settled of the two.
Lode ships an update every 5 days, Finsepa every 3 days. The most recent releases landed on October 31, 2026 and October 16, 2026 respectively.
| Parameter | Lode | Finsepa |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (8 ratings) | 5.0 (1 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 8 — better | 1 |
| Update frequency | Every 5 days | Every 3 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Freemium |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 18.0 — better | 26.0 |
| Further details — not scored | ||
| Size | 112 MB | 15 MB |
| Age rating | 4+ | 4+ |
| Developer | Kyrylo Svystun | Volodymyr Raksha |
Customer experience
Lode
Finsepa
In-app purchases
Lode
- Lode Premium$3.991 Month
- Lode Premium3 Days trial$29.991 Year
- Lifetime Premium$59.99
Finsepa
- Finsepa Pro Monthly$12.991 Month
- Pro Annual$129.001 Year









