SmartFolio vs Venmo
Which is better in 2026? Five scores, side by side.
SmartFolio is the better app overall, scoring 8.5 to 8.3. SmartFolio wins on 2 of the 5 scores, Venmo on 3.
Dividend and long-term investors who want a private, free portfolio view
Friends and roommates in the US who split dinners, rent and trips
Score by score
The details
| Feature | SmartFolio | Venmo |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #6 of 16 | #13 of 16 |
| Developer | The Big Head | PayPal |
| Pricing | Free | Free |
| Usable for free | Yes | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | — | ✓ |
Common questions
Is SmartFolio better than Venmo?
SmartFolio is the better app overall, scoring 8.5 to 8.3. SmartFolio wins on 2 of the 5 scores, Venmo on 3.
Which is cheaper, SmartFolio or Venmo?
SmartFolio: Free, no subscription, no ads, no in-app purchases. Venmo: Free from balance, bank or debit; 3% with a credit card; instant transfer 1.75%. On value for money, SmartFolio scores higher.
Do SmartFolio and Venmo work on the same devices?
Only Venmo runs on Android.
Which is more private, SmartFolio or Venmo?
SmartFolio scores higher on privacy (9.6/10). No account and no server: your portfolio stays on your iPhone or iPad, and backups are files you keep. Live prices come from public market data. No ads or tracking; App Store label: Data Not Collected.
Strengths and weaknesses
SmartFolio
- Free with no ads, no account and no in-app purchases
- Portfolio data stays on your iPhone or iPad
- Clear history of every trade, even after you sell
- No automatic broker sync, so updates mean re-importing
- iPhone and iPad only, and it needs iOS 26.2 or later
SmartFolio is a portfolio tracker that keeps everything on your device. You import your history using guides for 19 brokers or any CSV or Excel file, then see every buy, sale and dividend per holding, time-weighted returns against the S&P 500 and what your holdings should pay over the next 12 months. There is no account and no brokerage login, which is great for privacy but means updates are manual. For dividend investors who want a free, private overview, it is a strong pick.
Full SmartFolio review
Venmo
- Free to pay friends from balance, bank or debit
- Splitting a bill takes a few taps
- Fun feed with emoji and GIF payment notes
- Only works in the US
- Instant transfers cost 1.75%, up to $25
- App Store label lists usage data used for tracking
Venmo is the quickest way to pay a friend back in the US. Sending from your balance, bank or debit card is free, splitting a bill takes seconds, and the feed of emoji-filled payment notes is half the fun. A 2026 redesign is making privacy settings easier to find, which matters because payments used to be public by default. Instant transfers to your bank cost 1.75%, and Venmo only works in the US.
Full Venmo review
