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Cháy Túi vs Money Lover: features and pricing compared
Money Lover (by Finsify) is one of the longest-running and most popular expense trackers in Vietnam. Cháy Túi is a new iOS app, now available on the App Store (iPhone), so this page does not compare Cháy Túi’s downloads or ratings; it only compares features, how data is stored and published prices. Information about Money Lover comes from public sources, with a source number after each point; anything we could not verify is marked “not verified”.
Updated: 04/10/2026
Competitor information comes from public sources and may change; last updated 04/10/2026.
| Criteria | Cháy Túi | Money Lover |
|---|---|---|
| Data entry | Manual entry; type like a chat message (“bún bò 45k”, “1tr5”); speak Vietnamese via iOS speech recognition | Manual entry by wallet and category. Chat or voice entry: not found in the official listings, not verified¹² |
| Receipt reading / OCR | On-device OCR and AI, unlimited on every plan; cloud AI: Free 30 scans/month, Pro 300/month, Max 600/month. You confirm each entry before saving | Not found in the current App Store and Google Play descriptions, not verified¹² |
| Automatic bank import | No bank linking and no bank password. Import statement files (CSV, Excel, PDF) or screenshots of transactions; Túi flags rows that duplicate what you already logged | A separately billed Linked Wallet service links bank accounts and updates transactions automatically; the company says it supports banks in Vietnam and several other countries, with a 7-day trial¹. An article by a bank-data provider (secondary source) says Money Lover uses its API for near-real-time sync with many Vietnamese banks⁵. The specific bank list and how login credentials are handled: not verified |
| Sync and data storage | Local-first; data goes to Cháy Túi’s server only when you sign in to sync across devices (every plan) or use features that need a server such as cloud AI | Multi-device sync and biometric lock¹² |
| Budgets | Free: 3 categories; Pro/Max: unlimited, with an end-of-month forecast | Budgets available; Premium mentions detailed per-category budgets¹² |
| Debts, bill reminders, currencies | Basic debts on Free; instalments, subscriptions and recurring bills on Pro; VND and USD wallets; cash foreign currency tracking (Free 1 currency, Pro/Max unlimited) | Debt and loan tracking, automatic bill reminders, multi-currency support¹ |
| Bill splitting, shared wallets | Bill splitting: Free 1 group, Pro unlimited; VietQR payment requests (Pro); shared family wallet (Max) | Bill splitting and wallet sharing: not found in the official listings, not verified¹²³ |
| Reports and export | Daily, weekly and monthly summaries with charts; 3-month trend (Free), 12-month (Pro); 30-day cash flow and unusual-spend alerts (Pro); CSV export (Free), PDF/Excel (Pro) | Visual reports; Premium: several report formats and export to Google Sheets¹² |
| Savings, gold, goals | Free: 2 savings deposits, 1 gold/silver type, 1 foreign currency, 1 goal; Pro/Max: unlimited, with gain/loss, maturity reminders and price alerts | Savings goal tracking (Premium)¹. Gold/silver tracking and market prices: not found in the listing, not verified |
| Ads | The iPhone app currently shows no ads; it does not ask for tracking permission | Google Play shows “Contains ads”; Premium removes ads¹² |
| Data policy | No bank passwords collected. Receipt photos go to cloud AI only when you use that feature. See Cháy Túi’s privacy policy for details | The policy lists name, email and technical data as collected and says personal information is not sold; account deletion is in-app and processed within 72 hours⁴. Its App Store privacy labels (self-declared by the developer) list financial, location, contact and identifier data, including a data-used-to-track-you group¹ |
| Platforms | iOS (available on the App Store for iPhone). Android is in development; no official web app yet | iOS and Android²³; the App Store also lists iPad, Apple Watch, M1 Macs and Apple Vision¹. A web version: not verified |
| Scale and ratings | No public figures yet (app in testing) | Vietnam App Store: 4.7/5 (about 26,600 ratings)¹; Google Play: 4.7/5 (about 208,000 ratings), 5M+ downloads². The company itself says “over 10 million users”²; a bank-data provider’s article (secondary source) also cites 10M+ downloads worldwide and about 1.5 million monthly active users⁵. These are figures from the company and its partner, and we have not verified them independently |
| Price | Free; Pro 49,000 VND/month or 490,000 VND/year; Max 99,000 VND/month or 990,000 VND/year; no lifetime plan | Free version available; Premium lifetime 599,000 VND (an in-app purchase on the Vietnam App Store); Linked Wallet sold separately at 49,000 VND/month or 449,000 VND/year¹. Prices can change or be discounted; we did not find monthly or yearly Premium prices in that list |
| Where to buy | In the iOS app only, not sold on the web | In the app via App Store or Google Play¹² |
We aim to compare fairly using public information. Spotted a mistake? Tell Túi.
Where Money Lover is strong
- Scale and track record: a 4.7/5 rating on both the Vietnam App Store and Google Play, and 5M+ downloads on Google Play¹². Cháy Túi has no comparable figures yet.
- Bank linking is available: the Linked Wallet service pulls transactions from your bank account so you do not have to type them¹. Cháy Túi cannot do this yet.
- iOS and Android, with the App Store also listing iPad, Apple Watch and Mac¹².
- A pay-once option: Premium lifetime at 599,000 VND suits people who dislike subscriptions¹.
- A full set of core tools: multiple wallets, budgets, debts, bill reminders, multiple currencies and Google Sheets export¹².
Where Cháy Túi is missing or behind
- Cháy Túi is available on the App Store for iPhone; the Android app is in development and there is no official web app yet.
- Cháy Túi does not link to banks; transactions come from receipts, phrases you type or say, and statement files you import yourself.
- Cháy Túi has no lifetime plan; paid plans are bought only in the app through Apple.
- Cháy Túi is new, so there are no public download counts, ratings or operating history to lean on.
- On-device receipt reading can still misread blurry or handwritten receipts, which is why Túi always lets you confirm before saving.
Two different approaches to automation
Money Lover sells a Linked Wallet service: you link a bank account so transactions update automatically, with a 7-day trial and then a separate fee¹. The upside is less typing. Before using it, check for yourself which banks are supported and how login details are handled; we could not verify either from official sources.
Cháy Túi takes another route: it never asks for your bank password and does not link accounts. Transactions come from receipts you snap, phrases you type or say, and statement files (CSV, Excel, PDF) you download from your bank and import. It does not pull new transactions every day on its own, but your bank login stays with you.
When to choose Money Lover
- You want transactions to update automatically from your bank account and accept a separately billed linking service.
- You use Android, or need an officially released app today.
- You prefer a one-time lifetime payment over a monthly or yearly subscription.
- You want an app with a long history and a large number of ratings.
When Cháy Túi may fit better
- You use an iPhone and want a newer app focused on AI bill reading and on-device data.
- You like logging by typing naturally, speaking or snapping a receipt, with unlimited on-device receipt reading even on the free plan.
- You would rather not give your bank password to any service and are fine importing statements yourself.
- You want savings and gold tracked next to spending, and often split bills and send VietQR payment requests (Pro).
- You like seeing a 30-day cash-flow view, unusual-spend alerts and Wrapped-style summaries.
Frequently asked questions
Money Lover links to banks. What about Cháy Túi?
Money Lover offers a separately billed Linked Wallet service. Cháy Túi does not link to banks or ask for your password; you can import a statement file downloaded from your bank (CSV, Excel, PDF) to log many transactions at once.
Does Cháy Túi have a lifetime plan like Money Lover?
No. Cháy Túi has a Free plan, Pro at 49,000 VND/month or 490,000 VND/year, and Max at 99,000 VND/month or 990,000 VND/year. Money Lover lists Premium lifetime at 599,000 VND among its in-app purchases on the Vietnam App Store (see source 1); prices can change.
Is Cháy Túi on Android or the App Store yet?
It is on the App Store for iPhone, but not yet on Android. The Android app is in development with no release date, and there is no official web app. If you need an officially released Android app today, Money Lover is available on both platforms.
Sources
- [1] Vietnam App Store: Money Lover by Finsify (description, in-app purchases, ratings, privacy labels) (official source). https://apps.apple.com/vn/app/money-lover-money-manager/id486312413 (accessed 04/10/2026)
- [2] Google Play: Money Lover (downloads, ratings, “Contains ads”, Premium description) (official source). https://play.google.com/store/apps/details?id=com.bookmark.money (accessed 04/10/2026)
- [3] Money Lover website (platforms, main features) (official source). https://moneylover.me/ (accessed 04/10/2026)
- [4] Money Lover privacy policy (official source). https://moneylover.me/policy/ (accessed 04/10/2026)
- [5] Cas: the Money Lover story (a bank-data provider’s case study, 22 Aug 2025; supporting only) (secondary source, supporting only). https://cas.so/en/blog/Cau-chuyen-money-lover/ (accessed 04/10/2026)