Money vs VC Online
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Money
Easily track daily expenses and income with a single-view interface. Customize categories and tags for detailed financial insights. Set budgets and manage multiple accounts to monitor your personal finances effectively.
- Single-view expense and income tracking
- Customizable categories and tags
- Budget setting for months, categories, and tags
- Multiple account balance tracking
- Tap and swipe gesture navigation
- Monthly budget progress bar
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The Money app is a simple iPhone app that helps you to keep your daily expense and or income tracked. The whole app contains only one single view and you can manage your personal finance with tap and swipe gestures. In this main view it shows sum of your expense and income, as long as a progress bar to indicate the budget status of current month. The Money app supports not only categories just like other similar apps do, it also allows you to set one or multiple customized tags for each record of expense or income. By swiping left or right on the list in the main view, the app gives you statistic for both tags and categories of the month. Additionally, you can view all records in a specific category or tag. And in most cases you can easily see and set budget for months, categories or tags with a single tap on the little progress bar like rectangle between “Income” and “Expense”. Money also supports setting customized accounts to keep track of your balances. Simply by pulling down the view all your account balances show up. One more hint: Swipe on the month title to navigate between months.
VC Online
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Vincent Capital is making property development financing simpler by streamlining the whole process – saving you time, paperwork and emails. With VC Online, you can manage it all yourself, from your phone. Our app makes the application faster, walking you through each step and enabling easy upload of plans and documents. It speeds up things at our end too. When the loan is approved and construction started, you use the app to manage your monthly drawdown, update information, review progress and chat to your Vincent Capital Lending Manager. It even notifies when there’s something you need to do to keep everything on track. Easy to use VC Online is intuitive and easy to use. It brings every part of the application and loan management process together on your phone. It prompts you to upload things like plans and consents. It automates AML checks. It shows you real-time balances. It tracks loan conditions, and notifies you about key dates. Quick and convenient VC Online speeds up the all-important approval process, for you and for us. It eliminates back-and-forth emails and follow-up phone calls. Once you’ve uploaded the required documentation to the app, you’ll get a quick turnaround at our end. Better support The app keeps you in direct contact with our Lending Managers, who are there when you need them to help keep things on track so you can deliver a successful project. It enables them to reach out when they need to, and for you to chat with them when you want, conveniently keeping all the online chats in one place. Secure information Confidentiality is essential for us and for you. Your information is stored securely and your identity remains private. Who is this designed for? VC Online is designed for builders and developers borrowing NZ$300,000–$100,000,000 for property developments in New Zealand, looking for a better, faster and easier financing experience. Streamlining the borrowing process VC Online makes the entire process of funding your development easier, by bringing everything into one handy app on your phone that allows you to streamline and manage things from wherever you are. - The whole borrowing cycle managed on one app - Applications are easier, turnaround faster - Monthly drawdown is simplified - Easy uploads of documents and photos - Loan conditions tracker and timely notifications - Able to manage multiple project borrowing - Real-time overview of balances and progress - Live chat with your Lending Manager - Secure data
Screenshots
Verdict
The clearest difference is in-app purchases: VC Online at none against Money's 2. VC Online also leads on update cadence (fortnightly vs every 3 months). Money's advantage is ads (none vs shown) and device support (4 vs 2). On price and iOS requirement 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
Both are free to download. Money sells 2 one-off in-app purchases. VC Online asks for nothing beyond the download.
Money ships an update every 3 months, VC Online fortnightly. The most recent releases landed on November 1, 2026 and November 7, 2026 respectively.
| Parameter | Money | VC Online |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (15 ratings) — better | — |
| Positive reviews | 73.8% of reviews | — |
| Number of ratings | 15 — better | — |
| Update frequency | Every 3 months | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPod |
| Requires iOS | 13.0 | 13.0 |
| Further details — not scored | ||
| Size | 15 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | Chengdu Wangqi03 Technology Ltd. | VINCENT CAPITAL LIMITED |
In-app purchases
Money
- One month premium$0.99
- One year premium$8.99
VC Online
No in-app purchases









