# Spenda vs Simrapay

The clearest difference is device support: Simrapay at 3 against Spenda's 1. Simrapay also leads on iOS requirement (15.1 vs 26.4). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Spenda sells 2 in-app purchases, starting at $5.99 per month and Simrapay sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Spenda ships an update every 3 weeks, Simrapay fortnightly. The most recent releases landed on October 31, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Spenda | Simrapay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.0 (1 ratings)](https://appshunter.io/ios/app/spenda-spend-smarter/id6774954544/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Freemium | — |
| Size | 7 MB | 44 MB |
| Requires iOS | 26.4 | **15.1** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Milo Fowler](https://appshunter.io/developer/1894310452) | [PMELAB TECHNOLOGY LIMITED](https://appshunter.io/developer/6795495202) |

## What reviewers say

### Spenda

[App page](https://appshunter.io/ios/app/spenda-spend-smarter/id6774954544)

Understand your spending habits and make smarter financial decisions. Securely connect your bank to track transactions, categorize spending, and receive personalized insights and recaps. Upgrade for advanced analysis and premium features.

**Highlights:** Track everyday spending, Understand spending habits, Categorize transactions, Weekly spending recaps, Smart spending notifications, Secure bank connection

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Spenda Premium Monthly | $5.99 | per month |
| Spenda Premium Yearly | $39.99 | per year |


### Simrapay

[App page](https://appshunter.io/ios/app/simrapay/id6795494971)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Simrapay | $4.99 | one-time |


## Frequently asked questions

### Is Spenda free?

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

### Is Simrapay free?

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

### Do Spenda or Simrapay have ads?

Neither Spenda nor Simrapay shows ads.

### Which is updated more often, Spenda or Simrapay?

Spenda ships an update every 3 weeks, and Simrapay fortnightly. Most recently, Spenda was updated on October 31, 2026 and Simrapay on November 6, 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.*