# fineants vs Saving Money Challenge

The clearest difference is rating: Saving Money Challenge at 4.8 against fineants's 4.4. Saving Money Challenge also leads on ratings volume (442 vs 23) and update cadence (every 3 weeks vs every 2 months). fineants's advantage is review sentiment (75% vs 52%). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. fineants sells 1 one-off in-app purchase and Saving Money Challenge sells 13 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

Saving Money Challenge holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: Saving Money Challenge has 442 ratings behind it against 23, so its average is the more settled of the two. Written reviews complicate that: 75% of fineants's written reviews are positive against 52% of Saving Money Challenge's, so the app with the better star average is not the one people write more warmly about.

fineants ships an update every 2 months, Saving Money Challenge every 3 weeks. The most recent releases landed on October 17, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | fineants | Saving Money Challenge |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (23 ratings)](https://appshunter.io/ios/app/fineants-saving-tracker/id888444078/reviews) | **[4.8 (442 ratings)](https://appshunter.io/ios/app/saving-money-challenge/id1578843165/reviews)** |
| Number of ratings | 23 | **442** |
| Positive reviews | **75.0% of reviews** | 51.5% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 6 MB | 50 MB |
| Requires iOS | **18.0** | 18.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Giovanni Lodi](https://appshunter.io/developer/553307346) | [Mihail Kuznecovs](https://appshunter.io/developer/1467148695) |

## What reviewers say

### fineants

[App page](https://appshunter.io/ios/app/fineants-saving-tracker/id888444078)

This app helps you track small, daily savings to reach your financial goals. Set a target, log each saved amount, and monitor your progress to achieve your desired purchases faster.

**Highlights:** Set saving goals, Log daily savings, Track progress, Motivational tool, Simple interface

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Upgrade to Pro | $2.99 | one-time |


### Saving Money Challenge

[App page](https://appshunter.io/ios/app/saving-money-challenge/id1578843165)

This app helps you achieve savings goals through a fun envelope challenge. You can either follow a pre-set 100-envelope challenge to save $5,050 or create your own custom savings plan with a set amount and number of envelopes.

**Highlights:** Envelope savings challenge tracker, Customizable savings goals, Daily money saving, Track progress towards goals, Surprise savings amounts

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

**In-app purchases (13)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly subscription | $1.99 | per month |
| Weekly subscription | $2.99 | per 7 days |
| Monthly subscription | $4.99 | per month |
| Yearly subscription | $5.99 | per year |
| Yearly subscription | $11.99 | per year |
| Yearly subscription | $11.99 | per year |
| Yearly subscription | $11.99 | per year |
| Small Tip | $0.99 | one-time |
| Design Bundle | $3.99 | one-time |
| Analytics Bundle | $3.99 | one-time |
| Medium Tip | $4.99 | one-time |
| Large Tip | $9.99 | one-time |
| Lifetime purchase | $19.99 | one-time |

**What reviewers like**

- 👍 Simple and well-done app
- 💡 Unique individual envelopes
- 👍 Keeps users motivated
- 👍 App doesn't link to bank accounts
- 👍 Fun and engaging saving method

**What reviewers complain about**

- 🐛 Glitches frequently
- 🤔 Unclear how money is sourced
- 🤔 Unclear how to withdraw funds
- 🐛 New update is problematic (hold down to register)
- 👎 High cost/subscription fee

**Reported bugs**

- App glitches quite a bit
- Hold down the amount to get it to register is dumb (new update issue)
- Cannot create own challenge, it doesn't save
- App is buggy, cannot press back arrow on most screens
- Total saved amount keeps changing and is inaccurate

**Requested features**

- Allow skipping and filling other envelopes before completing smaller amounts
- Allow setting multiple active challenges
- Ability to edit challenges without deleting
- Ability to pick a random envelope to use
- Ability to create own challenges that save


## Frequently asked questions

### Is fineants free?

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

### Is Saving Money Challenge free?

Saving Money Challenge is free to download, with in-app purchases available.

### Which has better reviews, fineants or Saving Money Challenge?

Saving Money Challenge is rated higher. fineants averages 4.4 out of 5 from 23 ratings, while Saving Money Challenge averages 4.8 from 442 ratings.

### Do fineants or Saving Money Challenge have ads?

Neither fineants nor Saving Money Challenge shows ads.

### Which is updated more often, fineants or Saving Money Challenge?

fineants ships an update every 2 months, and Saving Money Challenge every 3 weeks. Most recently, fineants was updated on October 17, 2026 and Saving Money Challenge on October 16, 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.*