# Qapital vs Budgit App

The clearest difference is in-app purchases: Qapital at none against Budgit App's 1. Qapital also leads on ratings volume (86K vs 16). Budgit App's advantage is review sentiment (100% vs 78%) and update cadence (every 4 days vs fortnightly). On price, rating, ads and device support there is nothing between them.

Both are free to download. Budgit App sells 1 in-app purchase, starting at $14.99 per month. Qapital asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 4.8 for Qapital against 4.9 for Budgit App. That said, the two scores are not equally well evidenced: Qapital has 86K ratings behind it against 16, so its average is the more settled of the two. Written reviews are what separate them: 78% of Qapital's written reviews are positive against 100% of Budgit App's.

Qapital ships an update fortnightly, Budgit App every 4 days. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Qapital | Budgit App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (86K ratings)](https://appshunter.io/ios/app/qapital-the-money-saving-app/id969977669/reviews) | **[4.9 (16 ratings)](https://appshunter.io/ios/app/budgit-app/id6745227970/reviews)** |
| Number of ratings | **86K** | 16 |
| Positive reviews | 77.7% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 4 days** |
| Monetization | Subscription | **Free with in-app purchases** |
| Size | 580 MB | 30 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [Qapital, LLC](https://appshunter.io/developer/969977668) | [Jared Hilton](https://appshunter.io/developer/1811405182) |

## What reviewers say

### Qapital

[App page](https://appshunter.io/ios/app/qapital-the-money-saving-app/id969977669)

Automate your savings, investments, and budgeting with intelligent rules based on your habits. Set unlimited financial goals, track progress, and even team up with a partner on shared objectives. Spend smarter with a dedicated debit card and real-time budget notifications.

**Highlights:** Automated savings goals, Smart budgeting rules, Invest in ETFs, Weekly spending card, Partnered goal saving, Progress tracking

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💰 Effective savings tool
- 📈 Helps build good financial habits
- 🤝 Useful for joint savings goals
- 🤖 Automated savings rules
- 💳 Convenient debit card

**What reviewers complain about**

- 🕰️ Slow money transfers
- 🔒 Difficulty reconnecting bank accounts
- 💰 Unexpected fees/charges
- 🤝 Lack of visibility into joint goal contributions
- 🤖 Inflexible savings rules

**Reported bugs**

- App crashes and freezes
- Disconnection issues with bank accounts
- Incorrect or delayed transaction tracking

**Requested features**

- Ability to exclude certain transactions from savings rules
- More customization options for savings rules
- Faster money transfers
- Improved visibility into joint goal progress
- Free tier or waived fees for long-term users


### Budgit App

[App page](https://appshunter.io/ios/app/budgit-app/id6745227970)

Organize your finances effortlessly with real-time spending tracking and automated budget adjustments. Connect bank accounts, categorize transactions, and receive timely alerts to stay on track with your financial goals. Prioritizes privacy and security with bank-level encryption.

**Highlights:** Real-time spending organization, Automated budget adjustments, Bank account connection, Automatic transaction categorization, Timely alerts and spending insights, Password-free sign-in with PIN verification

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Founding Member | $14.99 | per month |


## Frequently asked questions

### Is Qapital free?

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

### Is Budgit App free?

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

### Which has better reviews, Qapital or Budgit App?

Budgit App is rated higher. Qapital averages 4.8 out of 5 from 86K ratings, while Budgit App averages 4.9 from 16 ratings.

### Do Qapital or Budgit App have ads?

Neither Qapital nor Budgit App shows ads.

### Which is updated more often, Qapital or Budgit App?

Qapital ships an update fortnightly, and Budgit App every 4 days. Most recently, Qapital was updated on October 26, 2026 and Budgit App on October 24, 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.*