# SpotFunds vs Points Vault

The clearest difference is iOS requirement: Points Vault at 16.0 against SpotFunds's 26.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SpotFunds ships an update every 10 days, Points Vault every 3 weeks. The most recent releases landed on November 1, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | SpotFunds | Points Vault |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (8 ratings)](https://appshunter.io/ios/app/spotfunds-spending-coach/id908020085/reviews)** | — |
| Number of ratings | **8** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 3 weeks |
| Monetization | Free | — |
| Size | 32 MB | 5 MB |
| Requires iOS | 26.0 | **16.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Dan Segars](https://appshunter.io/developer/908020088) | [IOAN MIHAI COSMA](https://appshunter.io/developer/1881069228) |

## What reviewers say

### SpotFunds

[App page](https://appshunter.io/ios/app/spotfunds-spending-coach/id908020085)

This app acts as a personal spending coach, helping you manage discretionary spending between paychecks. It calculates your "Ready-to-Spend®" amount daily, providing real-time feedback to prevent overspending and debt. The app learns your habits to offer personalized nudges and alerts.

**Highlights:** Daily "Ready-to-Spend®" calculation, Real-time spending feedback, Personalized spending nudges, Privacy-focused location-based alerts, Siri integration for voice commands, Customizable widgets

**Features:** Vision Pro support

**In-app purchases:** none


### Points Vault

[App page](https://appshunter.io/ios/app/points-vault-rewards-tracker/id6759834847)

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

**In-app purchases:** none


## Frequently asked questions

### Is SpotFunds free?

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

### Is Points Vault free?

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

### Do SpotFunds or Points Vault have ads?

Neither SpotFunds nor Points Vault shows ads.

### Which is updated more often, SpotFunds or Points Vault?

SpotFunds ships an update every 10 days, and Points Vault every 3 weeks. Most recently, SpotFunds was updated on November 1, 2026 and Points Vault on October 31, 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.*