Comparison

Puff vs Kapitallo

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

Head to head
About

Puff

Effortlessly track your spending by speaking, typing, or using your smartwatch. This app automatically categorizes expenses and integrates them into your budgets, offering quick summaries and multi-currency support.

Highlights
  • Voice expense recording
  • Create trip and personal budgets
  • Split shared costs
  • Multi-currency tracking
  • Spending summaries and charts
  • Log expenses from iPhone and Apple Watch
Features
Read full description

Puff helps you capture expenses before you forget them. Speak an expense, type it, or add it from your Apple Watch. Puff figures out the amount, category, and currency, then drops it into the right budget. Use Puff for: - travel budgets - everyday spending - shared trips with friends and family - quick summaries by category, person, and day What you can do: - record expenses with your voice - create trip budgets and personal budgets - split shared costs with friends and family - track spending in multiple currencies - review totals and charts in one place - log expenses from iPhone, Apple Watch, and widget Start free. Pro unlocks unlimited budgets and more flexibility. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Kapitallo

Effortlessly track your income and expenses using voice commands. Get insights into your spending habits, manage budgets, and keep track of subscriptions and debts. An AI consultant offers personalized savings tips.

Highlights
  • Voice-controlled expense and income logging
  • Automated category and amount detection
  • Spending analysis and category breakdowns
  • Budget setting and overspending alerts
  • Subscription and debt management
  • AI-powered savings recommendations
  • Multi-currency support
Features
Read full description

Kapitallo — учёт расходов и доходов голосом. Скажите «кофе 350» или «такси 500», и трата записана: сумма и категория определяются сами. Одна запись — около трёх секунд, прямо у кассы. ГОЛОСОВОЙ ВВОД Говорите обычными словами. Приложение распознаёт сумму и категорию, вы проверяете и сохраняете одним нажатием. Можно и вручную — как удобнее. ВИДНО, КУДА УХОДЯТ ДЕНЬГИ Итоги месяца, структура расходов по категориям, динамика по дням. Без таблиц и формул. БЮДЖЕТЫ ПО КАТЕГОРИЯМ Поставьте лимит на продукты, кафе или такси — приложение покажет, сколько осталось до конца месяца, и предупредит перед перерасходом. ПОДПИСКИ Все подписки в одном списке с датой следующего списания и напоминанием за день до оплаты. Больше никаких «откуда опять 399 рублей». ДОЛГИ Кто кому должен, сколько осталось вернуть и когда срок. С частичными возвратами и напоминанием. AI-КОНСУЛЬТАНТ Спросите «на что я трачу больше всего?» — ответ по вашим реальным тратам, с подсказками, где можно сэкономить. СЧЕТА И ВАЛЮТЫ Карта, наличные, валютный счёт — у каждого свой баланс. Рубль, белорусский рубль, тенге, сум, сом, лари и другие валюты СНГ. ПРИВЫЧКА, А НЕ ОБЯЗАННОСТЬ Серия дней подряд и награды за постоянство помогают не бросить учёт на второй неделе. ЧТО ЕЩЁ • История с поиском и фильтрами по категориям • Повторяющиеся операции • Экспорт в таблицу • Тёмная тема • Вход по Google, Apple или Яндекс ID Первые 7 дней — полный доступ бесплатно, карта не нужна. Дальше подписка PRO. Условия использования: https://kapitallo.com/offer Политика конфиденциальности: https://kapitallo.com/privacy

Screenshots

Puff4 screens
Kapitallo4 screens

Verdict

The call

The clearest difference is review sentiment: Kapitallo at 100% against Puff's 0%. Kapitallo also leads on update cadence (fortnightly vs monthly) and iOS requirement (15.0 vs 18.0). On price, ads, in-app purchases and monetization model 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. Puff sells 3 in-app purchases, starting at $4.99 per month and Kapitallo sells 1 in-app purchase, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Puff ships an update monthly, Kapitallo fortnightly. The most recent releases landed on October 18, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 5 level
Puff versus Kapitallo: the parameters behind the verdict, then further details
ParameterPuffKapitallo
PriceFreeFree
Positive reviews0.0% of reviews100.0% of reviews — better
Update frequencyMonthlyFortnightly — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, Apple WatchiPhone, iPad, iPod — better
Requires iOS18.015.0 — better
Further details — not scored
Size144 MB50 MB
Age rating4+4+
DeveloperKirill ShumakovAndrei Iskou

Customer experience

Puff

Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Kapitallo

Written reviews5 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

Puff

Subscriptions3
  • Pro Monthly3 Days trial$4.991 Month
  • Pro3 Days trial$5.997 Days
  • Pro Yearly — Save 87%$39.991 Year
1 purchases

Kapitallo

Subscriptions1
  • Kapitallo PRO — месячная подписка$6.991 Month

Questions

Is Puff free?
Puff is free to download, with in-app purchases available.
Is Kapitallo free?
Kapitallo is free to download, with in-app purchases available.
Do Puff or Kapitallo have ads?
Neither Puff nor Kapitallo shows ads.
Which is updated more often, Puff or Kapitallo?
Puff ships an update monthly, and Kapitallo fortnightly. Most recently, Puff was updated on October 18, 2026 and Kapitallo on October 24, 2026.

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