Klarna: Smarter everyday money vs Zilch: Spend with benefits

Klarna: Smarter everyday money

Klarna Bank AB
App Store
$219.42M/mo
~$2.63B/yr · 361.4M installs
VS

Zilch: Spend with benefits

Zilch Technology Ltd
Google Play
$0/mo
~$0/yr · 2.0M installs
Revenue winner Klarna: Smarter everyday money wins +21941981600% vs other
Installs winner Klarna: Smarter everyday money wins +17972% vs other
MAU winner Klarna: Smarter everyday money wins +43760% vs other
Rating winner Klarna: Smarter everyday money wins +106% vs other

Why Klarna: Smarter everyday money is winning

Top 4 reasons - backed by the public App Store / Play Store numbers.

  1. Klarna: Smarter everyday money earns roughly 219419816× more per month than Zilch: Spend with benefits - $219.42M vs $0.
  2. Subscription model. Klarna: Smarter everyday money runs a $35.00/mo subscription that compounds; Zilch: Spend with benefits relies on one-shot IAP or ads.
  3. Bigger install base. Klarna: Smarter everyday money has ~361.4M lifetime installs vs Zilch: Spend with benefits's ~2.0M - 180.7× the funnel top.
  4. Better app store reviews. Klarna: Smarter everyday money sits at 4.86★ vs 2.36★ - store algorithms reward higher-rated apps with more impressions.

→ 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
Zilch: Spend with benefits
Monthly revenue (est.)?
$219.42M
◀
$0
Annual revenue (est.)
$2.63B
◀
$0
Lifetime installs (est.)
361.4M
◀
2.0M
Monthly active users (est.)?
156.1M
◀
356K
App Store rating
4.86★
◀
2.36★
Total ratings
2.1M
◀
25K
US grossing rank
-
=
-
Cheapest monthly sub
$35.00
◀
No sub
IAP tiers detected
0 tiers
=
0 tiers

Klarna: Smarter everyday money

Klarna Bank AB
App Store
Category
Finance
Price
Free
Released
Jun 22, 2016
Last updated
May 4, 2026
File size
282.7 MB
Content rating
4+
Version
26.18.243
Languages
Czech, Danish, Dutch, English, Finnish, French +10 more
View full Klarna: Smarter everyday money report →

Zilch: Spend with benefits

Zilch Technology Ltd
Google Play
Category
Finance
Price
Free
Released
Mar 30, 2021
Last updated
May 6, 2026
File size
-
Content rating
Everyone
Version
2.50.0
Languages
-
View full Zilch: Spend with benefits report →

Klarna: Smarter everyday money trajectory

JunJulAugSepOctNovDecJanFebMarAprMay

Zilch: Spend with benefits trajectory

JunJulAugSepOctNovDecJanFebMarAprMay

Related app pages

Klarna: Smarter everyday money App Store page →Zilch: Spend with benefits Play Store page →

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FAQ

Which makes more money, Klarna: Smarter everyday money or Zilch: Spend with benefits? v
Klarna: Smarter everyday money earns about $219.42M per month, while Zilch: Spend with benefits earns about $0. That is a ∞× revenue gap (~$219.42M more per month for Klarna: Smarter everyday money). Annual revenue: Klarna: Smarter everyday money ≈ $2.63B/year, Zilch: Spend with benefits ≈ $0/year. Estimates are derived from public App Store / Google Play signals - grossing rank, scraped IAP tiers, ratings and category benchmarks.
Which has more downloads, Klarna: Smarter everyday money or Zilch: Spend with benefits? v
Klarna: Smarter everyday money leads with about 361.4M estimated downloads vs 2.0M for Zilch: Spend with benefits - a 180.7× gap. Klarna: Smarter everyday money's App Store downloads are estimated from 2.1M ratings × the standard 1:75 ratio. Zilch: Spend with benefits reports 1,000,000+ installs on Google Play.
Are Klarna: Smarter everyday money and Zilch: Spend with benefits in the same App Store category on each store 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 Zilch: Spend with benefits have in-app purchases? v
Klarna: Smarter everyday money does not appear to offer in-app purchases on its public listing. Zilch: Spend with benefits does not appear to offer in-app purchases. Monetization model: Klarna: Smarter everyday money runs "Subscription (~$35.00/mo)", Zilch: Spend with benefits runs "No App Store revenue (monetizes off-store)".
Which has better ratings, Klarna: Smarter everyday money or Zilch: Spend with benefits? v
Klarna: Smarter everyday money edges ahead with ★ 4.9 vs ★ 2.4 (gap of 2.5 stars). Rating volume: Klarna: Smarter everyday money 2.1M ratings, Zilch: Spend with benefits 257 ratings. Higher rating volume = stronger ASO signal even when star averages are close.
How accurate are these Klarna: Smarter everyday money vs Zilch: Spend with benefits revenue estimates? v
Directional - typically within 2-3× of actual money earned for popular apps. The $219.42M for Klarna: Smarter everyday money and $0 for Zilch: Spend with benefits are derived from App Store grossing rank / Google Play install ranges, 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 Zilch: Spend with benefits to a different App Store app? v
Use the search box at the bottom of this page or paste any two App Store or Google Play 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.