Comparison

FinSpectro vs Finerva

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

Head to head
About

FinSpectro

Features
Read full description

FinSpectro (formerly Finsight) is an end-to-end encrypted expense and budget tracker. Your financial data is encrypted before it leaves your device and remains inaccessible even to us. Use FinSpectro on your phone, tablet, and computer with automatic sync. Perfect for personal and family budgeting, shared finance tracking, and managing expenses in multiple currencies. Key features Expense and income tracking Log daily expenses and income with custom accounts, categories, and currencies. Accounts and balances Create cash, bank, savings, and other accounts. Track total balance and money flow across all of them. Transfers between accounts Record transfers between your own accounts and stay in control of your money movement. Debts and loans Track who you owe and who owes you. Manage loans and debts in one place. Budgets and categories Create custom expense and income categories, set budgets, and stay within your limits. Analytics and reports View clear analytics for expenses, income, categories, and accounts. Shared finance tracking Create organizations to manage shared budgets with family, track expenses together, or run finances for a small team. Multi-currency support Manage finances in multiple currencies and switch between them easily. Download FinSpectro and take control of your finances with full privacy. Privacy Policy: https://finsight.zentline.com/settings/privacy-policy Terms of Use: https://zentline.com/en/terms-of-service

About

Finerva

Features
Read full description

Finerva is a personal finance companion for organising your everyday money in one clear place. Track cash, debit, savings, credit and debt accounts; record income, expenses and transfers; and keep categories and tags organised. Create groups to share expenses with friends, partners or family. Record who paid, split costs, track group balances and settle repayments without spreadsheets. Your personal accounts, categories, budgets, tags and activity remain private. Plan ahead with budgets, recurring schedules, savings goals and debt plans. Review activity, balances, spending and reports across your currencies. Finerva keeps an encrypted offline projection on your device, so you can review your finances when you are offline. Features: • Personal and shared expense tracking • Multi-currency tracking and reports • Groups, flexible expense splitting, balances and repayments • Accounts, categories and tags • Income, expenses, transfers and balance adjustments • Budgets and spending progress • Recurring schedules and reminders • Savings goals and debt plans Finerva does not provide banking, lending, payments, investment products or financial advice.

Screenshots

FinSpectro4 screens
Finerva4 screens

Verdict

The call

The clearest difference is in-app purchases: Finerva at none against FinSpectro's 1. Finerva also leads on update cadence (every 3 days vs monthly). FinSpectro's advantage is iOS requirement (15.0 vs 18.1). On price, ads and device support there is nothing between them.

Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

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

Both are free to download. FinSpectro sells 1 in-app purchase, starting at $19.99 per year. Finerva asks for nothing beyond the download.

UpkeepUpdate frequency

FinSpectro ships an update monthly, Finerva every 3 days. The most recent releases landed on October 5, 2026 and October 1, 2026 respectively.

Scorecard3 real differences Ā· 3 level
FinSpectro versus Finerva: the parameters behind the verdict, then further details
ParameterFinSpectroFinerva
PriceFreeFree
Update frequencyMonthlyEvery 3 days — better
AdsNoNo
In-app purchasesYesNo — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better18.1
Further details — not scored
Size4 MB48 MB
Age rating4+4+
DeveloperDoszhan MengaliyevVladyslav Haiduk

In-app purchases

1 purchases

FinSpectro

Subscriptions1
  • Finsight Pro$19.991 Year
None

Finerva

No in-app purchases

Questions

Is FinSpectro free?
FinSpectro is free to download, with in-app purchases available.
Is Finerva free?
Finerva is free to download, with no in-app purchases.
Do FinSpectro or Finerva have ads?
Neither FinSpectro nor Finerva shows ads.
Which is updated more often, FinSpectro or Finerva?
FinSpectro ships an update monthly, and Finerva every 3 days. Most recently, FinSpectro was updated on October 5, 2026 and Finerva on October 1, 2026.

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