CWMoney vs PayoffRoute
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CWMoney
Manage your personal finances with this comprehensive app. Track daily expenses and income, visualize your spending with charts, and set budgets. Supports multiple accounts, currencies, and offers advanced features like GPS tracking and cloud backup.
- Daily expense and income tracking
- Income and expense pie/bar charts
- Multiple accounts and currencies
- Budget setting
- Hierarchical categories
- Cloud backup to Dropbox
- GPS, camera, and voice recording support
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All new interface of CWMoney5.0!!! ※※※ As Featured in the App Store “Finance catalog #1” Export,Account,Catalog,Income PieChart/BarChart set Priority,Daily BarChart.. ※※ Over 5,000,000 Users,CWMoney is the best Finance Management Software of Mobile, it's easy to record daily expense,income money, if you feel this APP help you,please give it good rating on APP Store,It will keep us update it, thank you. CWMoney is a personal finance manager. The Features: - UI Theme Select - Account/Catalog Sort - Easy to QuickTrack. - Multiple accounts - Multiple currency - Support GPS,Camera,Album,Voice Recording,Calc. - Transfers and Account Exange Rate - Hierarchical categories with custom attributes - setMonth budgets - Catalog ,Subcatalog Append/Edit - Filtering and PieChart reporting - Backup Send to Dropbox ... WARNING Please DO BACKUP before any upgrade! Term and License Agreement:https://www.money.com.tw/copyright
PayoffRoute
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Know who to pay next, how much is due, and whether your repayment route is still on track. Enter only the balances, rates, minimum payments, and due dates you choose. PayoffRoute turns them into an estimated route without connecting to a bank. PayoffRoute is built for planning: • See the next payment and this month's route first. • Compare your current plan, avalanche, and snowball with the same assumptions. • Try an extra-payment scenario before applying it to future allocations. • Record real payments and reconcile differences with lender statements. • Optionally keep annual gross compensation history for your own reference. • Use private iCloud sync when available, create separate recovery snapshots, or export a JSON copy you control. • Delete current data or individual backup snapshots from clear, separate controls. • No third-party advertising or cross-app tracking. Any recommendations for this developer's other apps are clearly labeled and never use financial data for personalization. Free includes one plan with up to three debts. Annual Pro and Lifetime Pro unlock the same unlimited plans and debts. The annual option auto-renews until canceled; the lifetime option is a one-time purchase. Existing data always remains available to view, edit, back up, restore, export, and delete when purchase status changes. Current prices are shown and confirmed by the App Store. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Results are estimates based on the information and assumptions you enter. PayoffRoute does not move money, connect to banks, lend, broker loans, verify income, decide affordability, or provide investment, legal, tax, or personalized financial advice.
Screenshots
Verdict
The clearest difference is ads: PayoffRoute at none against CWMoney's shown. PayoffRoute also leads on update cadence (every 2 weeks vs every 5 weeks). CWMoney's advantage is iOS requirement (13.0 vs 18.0). On price, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. CWMoney sells 4 in-app purchases, starting at $2.49 per month and PayoffRoute sells 2 in-app purchases, starting at $9.99 per year. Whichever you choose, the download price is not the number that matters.
CWMoney ships an update every 5 weeks, PayoffRoute every 2 weeks. The most recent releases landed on November 1, 2026 and October 31, 2026 respectively.
| Parameter | CWMoney | PayoffRoute |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (362 ratings) — better | — |
| Positive reviews | 81.8% of reviews | — |
| Number of ratings | 362 — better | — |
| Update frequency | Every 5 weeks | Every 2 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPod | iPhone, iPad, Mac — better |
| Requires iOS | 13.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 170 MB | 18 MB |
| Age rating | 4+ | 4+ |
| Developer | KINGWAY MEDIA CO., LTD. | Jin-Cong Lin |
Bugs and requests
CWMoney
Reported bugs
15 issues- Frequent logouts
- App crashes when accessing monthly reports
- Date search function removed
- FX rate is fixed for all periods
- Remarks disappear and do not save
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- App requires password/fingerprint too often
- No password recovery option
- Data inconsistency between Android and iOS after restore
- App shuts down unexpectedly
- Invoice scan content is incomplete
- App crashes on mobile network
- Monthly start date not displaying after update
- Entered information not displayed on calendar after update
- Data loss after language switch
- Paid membership not transferable between platforms
Requested features
13 requests- Allow changing default currency
- Add option to change display currency for total income/expenses
- Enable budget linking to monthly income
- Add option to change language
- Add simplified Chinese language option
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- Improve date search functionality
- Allow removal of sub-items
- Change weekly statistics start day to Monday
- Add Australian Dollar to exchange rates
- Fix data inconsistency between Android and iOS
- Allow password recovery
- Improve invoice scanning accuracy
- Make Excel export feature free
PayoffRoute
Not enough reviews yet to summarise bugs or requests.
In-app purchases
CWMoney
- VIP每個月90元7 Days trial$2.491 Month
- VIP 家庭方案每個月150元 (可邀請兩位朋友成為VIP)7 Days trial$4.991 Month
- VIP每半年525元7 Days trial$14.996 Months
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- VIP每年690元7 Days trial$19.991 Year
PayoffRoute
- PayoffRoute Pro Annual$9.991 Year
- PayoffRoute Pro Lifetime$14.99









