# PlanMode vs Prosper

The clearest difference is rating: Prosper at 5.0 against PlanMode's 4.3. Prosper also leads on ads (none vs shown) and review sentiment (100% vs 77%). PlanMode's advantage is ratings volume (105 vs 1). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. PlanMode sells 3 one-off in-app purchases and Prosper sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Prosper holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: PlanMode has 105 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 77% of PlanMode's written reviews are positive against 100% of Prosper's.

PlanMode ships an update every 3 months, Prosper every 3 weeks. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | PlanMode | Prosper |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (105 ratings)](https://appshunter.io/ios/app/planmode-retirement-planner/id979979311/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/prosper-financial-planner/id6677030972/reviews)** |
| Number of ratings | **105** | 1 |
| Positive reviews | 76.9% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 36 MB | 26 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Sawhney Systems](https://appshunter.io/developer/570593131) | [Paulo Jose Mendes Marques](https://appshunter.io/developer/1768019220) |

## What reviewers say

### PlanMode

[App page](https://appshunter.io/ios/app/planmode-retirement-planner/id979979311)

This app helps you plan for your financial future by projecting your wealth over your lifetime. It analyzes potential shortfalls in retirement savings and allows you to test various financial scenarios to ensure you have sufficient resources.

**Highlights:** Lifetime wealth projections, Retirement savings gap analysis, Scenario testing for financial decisions, All-in-one financial dashboard, Detailed financial profile integration, Comparison of financial alternatives

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1-Week Premium Activation | $0.99 | one-time |
| 1-Month Premium Activation | $5.99 | one-time |
| 1-Year Premium Activation | $19.99 | one-time |


### Prosper

[App page](https://appshunter.io/ios/app/prosper-financial-planner/id6677030972)

Plan your financial future with interactive projections for net worth, cash flow, and retirement. Simulate major life decisions and optimize financial goals like mortgage payments. Data is stored locally for privacy with optional cloud sync.

**Highlights:** Interactive net worth and cash flow projections, What-if scenario testing, Inflation-adjusted projections, Mortgage optimization tools, Household planning with multiple profiles, Offline support and local data storage

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| FP Pro - Monthly | $0.99 | per month |
| FP Pro - Annual | $3.99 | per year |
| Pro Features | $6.99 | one-time |


## Frequently asked questions

### Is PlanMode free?

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

### Is Prosper free?

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

### Which has better reviews, PlanMode or Prosper?

Prosper is rated higher. PlanMode averages 4.3 out of 5 from 105 ratings, while Prosper averages 5.0 from 1 ratings.

### Do PlanMode or Prosper have ads?

PlanMode shows ads; Prosper does not.

### Which is updated more often, PlanMode or Prosper?

PlanMode ships an update every 3 months, and Prosper every 3 weeks. Most recently, PlanMode was updated on November 1, 2026 and Prosper on October 30, 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.*