# Commas vs Philia Vault

The clearest difference is ads: Commas at none against Philia Vault's shown. Philia Vault's advantage is update cadence (weekly vs every 3 weeks). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Both are free to download. Commas sells 2 in-app purchases, starting at $9.99 per year and Philia Vault sells 2 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

Commas ships an update every 3 weeks, Philia Vault weekly. Both last shipped on October 28, 2026.

## The numbers

| Metric | Commas | Philia Vault |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (5 ratings)](https://appshunter.io/ios/app/philia-vault-wealth-tracker/id6790504287/reviews)** |
| Number of ratings | — | **5** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | **Weekly** |
| Monetization | — | Free with in-app purchases |
| Size | 15 MB | 75 MB |
| Requires iOS | 17.0 | **16.4** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Strivian LLC](https://appshunter.io/developer/1872414421) | [Philia Entreprise LLC](https://appshunter.io/developer/6790504289) |

## What reviewers say

### Commas

[App page](https://appshunter.io/ios/app/commas-net-worth-tracker/id6760672185)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Commas Pro — Annual | $9.99 | per year |
| Commas Pro — Lifetime | $24.99 | one-time |


### Philia Vault

[App page](https://appshunter.io/ios/app/philia-vault-wealth-tracker/id6790504287)

This app helps you understand your financial reality by tracking assets, liabilities, and cash flow. It visualizes your progress towards financial independence and offers an AI coach for reflection on your decisions.

**Highlights:** Track assets and liabilities, Calculate net worth, Visualize asset cash flow, Measure Financial Independence Index, Simulate cash-flow scenarios, AI Coach for financial reflection

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $74.99 | per year |


## Frequently asked questions

### Is Commas free?

Commas is free to download, with in-app purchases available.

### Is Philia Vault free?

Philia Vault is free to download, with in-app purchases available.

### Do Commas or Philia Vault have ads?

Philia Vault shows ads; Commas does not.

### Which is updated more often, Commas or Philia Vault?

Commas ships an update every 3 weeks, and Philia Vault weekly. Most recently, Commas was updated on October 28, 2026 and Philia Vault on October 28, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*