# Kapitallo vs SwiftSpend

The clearest difference is in-app purchases: SwiftSpend at none against Kapitallo's 1. SwiftSpend also leads on update cadence (weekly vs fortnightly). Kapitallo's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 17.0). On price, review sentiment, ads and monetization model there is nothing between them.

Both are free to download. Kapitallo sells 1 in-app purchase, starting at $6.99 per month. SwiftSpend asks for nothing beyond the download.

Kapitallo ships an update fortnightly, SwiftSpend weekly. Both last shipped on October 13, 2026.

## The numbers

| Metric | Kapitallo | SwiftSpend |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | Freemium | Freemium |
| Size | 50 MB | 20 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Andrei Iskou](https://appshunter.io/developer/1893654049) | [Ashrafulla Atadjanov](https://appshunter.io/developer/6788098260) |

## What reviewers say

### Kapitallo

[App page](https://appshunter.io/ios/app/kapitallo/id6765652162)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Kapitallo PRO — месячная подписка | $6.99 | per month |


### SwiftSpend

[App page](https://appshunter.io/ios/app/swiftspend-expense-tracker/id6788098258)

Effortlessly track your expenses in seconds using voice commands or quick manual entry. Manage multiple currencies, set budgets, and gain insights into your spending habits with AI-powered analysis. Secure and private, with optional premium features for advanced control.

**Highlights:** Voice-activated expense logging, Multi-currency account management, AI-driven spending analysis, Customizable budget limits, Data export to CSV, Recurring transaction tracking

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

**In-app purchases:** none


## Frequently asked questions

### Is Kapitallo free?

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

### Is SwiftSpend free?

SwiftSpend is free to download, with no in-app purchases.

### Do Kapitallo or SwiftSpend have ads?

Neither Kapitallo nor SwiftSpend shows ads.

### Which is updated more often, Kapitallo or SwiftSpend?

Kapitallo ships an update fortnightly, and SwiftSpend weekly. Most recently, Kapitallo was updated on October 13, 2026 and SwiftSpend on October 13, 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.*