Klarna: Smarter everyday money vs Upstart: Personal Loans + More
Klarna: Smarter everyday money
Klarna Bank AB
App Store
$37.09M/mo
~$445.04M/yr · 381.8M installs
VS
Upstart: Personal Loans + More
Upstart Network, Inc.
App Store
$0/mo
~$0/yr · 3.9M installs
Revenue winner
Klarna: Smarter everyday money wins
+3708625900% vs other
Installs winner
Klarna: Smarter everyday money wins
+9620% vs other
MAU winner
Klarna: Smarter everyday money wins
+1449% vs other
Rating winner
Upstart: Personal Loans + More wins
+1% vs other
Why Klarna: Smarter everyday money is winning
Top 3 reasons - backed by the public App Store / Play Store numbers.
- Klarna: Smarter everyday money earns roughly 37086259× more per month than Upstart: Personal Loans + More - $37.09M vs $0.
- Subscription model. Klarna: Smarter everyday money runs a $35.00/mo subscription that compounds; Upstart: Personal Loans + More relies on one-shot IAP or ads.
- Bigger install base. Klarna: Smarter everyday money has ~381.8M lifetime installs vs Upstart: Personal Loans + More's ~3.9M - 97.2× the funnel top.
→ Find more apps with this revenue gap · Full Klarna: Smarter everyday money report
Side-by-side metrics
Bars scale to whichever app is bigger on that row. Green = winner.
Klarna: Smarter everyday money
vs
Upstart: Personal Loans + More
Monthly revenue (est.)?
$37.09M
◀
$0
Annual revenue (est.)
$445.04M
◀
$0
Lifetime installs (est.)
381.8M
◀
3.9M
Monthly active users (est.)?
26.3M
◀
1.7M
App Store rating
4.86★
▶
4.89★
Total ratings
2.2M
◀
36K
US grossing rank
-
=
-
Cheapest monthly sub
$35.00
◀
No sub
IAP tiers detected
0 tiers
=
0 tiers
- Category
- Finance
- Price
- Free
- Released
- Jun 22, 2016
- Last updated
- Jun 29, 2026
- File size
- 284.0 MB
- Content rating
- 4+
- Version
- 26.26.303
- Languages
- Czech, Danish, Dutch, English, Finnish, French +10 more
- Category
- Finance
- Price
- Free
- Released
- Oct 23, 2023
- Last updated
- Jun 22, 2026
- File size
- 82.4 MB
- Content rating
- 17+
- Version
- 1.1.9
- Languages
- English
Klarna: Smarter everyday money trajectory
Upstart: Personal Loans + More trajectory
FAQ
Which makes more money, Klarna: Smarter everyday money or Upstart: Personal Loans + More? v
Klarna: Smarter everyday money earns about $37.09M per month, while Upstart: Personal Loans + More earns about $0. That is a ∞× revenue gap (~$37.09M more per month for Klarna: Smarter everyday money). Annual revenue: Klarna: Smarter everyday money ≈ $445.04M/year, Upstart: Personal Loans + More ≈ $0/year. Estimates are derived from public App Store signals - grossing rank, scraped IAP tiers, ratings and category benchmarks.
Which has more downloads, Klarna: Smarter everyday money or Upstart: Personal Loans + More? v
Klarna: Smarter everyday money leads with about 381.8M estimated downloads vs 3.9M for Upstart: Personal Loans + More - a 97.2× gap. Klarna: Smarter everyday money's App Store downloads are estimated from 2.2M ratings × the standard 1:75 ratio. Upstart: Personal Loans + More's App Store downloads are estimated from 36K ratings.
Are Klarna: Smarter everyday money and Upstart: Personal Loans + More in the same App Store category and competing for the same money? v
Yes - both apps sit in the Finance category, which means they compete directly for the same paying users and category-level wallet share. Direct competitors, head-to-head.
Do Klarna: Smarter everyday money and Upstart: Personal Loans + More have in-app purchases? v
Klarna: Smarter everyday money does not appear to offer in-app purchases on its public listing. Upstart: Personal Loans + More does not appear to offer in-app purchases. Monetization model: Klarna: Smarter everyday money runs "Subscription (~$35.00/mo)", Upstart: Personal Loans + More runs "No App Store revenue (monetizes off-store)".
Which has better ratings, Klarna: Smarter everyday money or Upstart: Personal Loans + More? v
Upstart: Personal Loans + More edges ahead with ★ 4.9 vs ★ 4.9 (gap of 0.0 stars). Rating volume: Klarna: Smarter everyday money 2.2M ratings, Upstart: Personal Loans + More 36K ratings. Higher rating volume = stronger ASO signal even when star averages are close.
How accurate are these Klarna: Smarter everyday money vs Upstart: Personal Loans + More revenue estimates? v
Directional - typically within 2-3× of actual money earned for popular apps. The $37.09M for Klarna: Smarter everyday money and $0 for Upstart: Personal Loans + More are derived from App Store grossing rank, scraped IAP tiers, ratings volume and category benchmarks (Finance) - net of the 15-30% Apple/Google store cut. Real revenue depends on country mix, retention, refunds and ad fill rate, none of which Apple or Google publish.
How do I compare Klarna: Smarter everyday money or Upstart: Personal Loans + More to a different App Store app? v
Use the search box at the bottom of this page or paste any two App Store links into the homepage tool. We auto-generate a permanent comparison URL with revenue, downloads, IAP tiers, subscription pricing and grossing rank for both apps.