# CWMoney vs PayoffRoute

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.

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.

## The numbers

| Metric | CWMoney | PayoffRoute |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (362 ratings)](https://appshunter.io/ios/app/cwmoney/id1029760973/reviews)** | — |
| Number of ratings | **362** | — |
| Positive reviews | 81.8% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 5 weeks | **Every 2 weeks** |
| Monetization | Free with in-app purchases | — |
| Size | 170 MB | 18 MB |
| Requires iOS | **13.0** | 18.0 |
| Devices | iPhone, iPod | **iPhone, iPad, Mac** |
| Age rating | 4+ | 4+ |
| Developer | [KINGWAY MEDIA CO., LTD.](https://appshunter.io/developer/1861368921) | [Jin-Cong Lin](https://appshunter.io/developer/1447306097) |

## What reviewers say

### CWMoney

[App page](https://appshunter.io/ios/app/cwmoney/id1029760973)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| VIP每個月90元 | $2.49 | per month |
| VIP 家庭方案每個月150元 (可邀請兩位朋友成為VIP) | $4.99 | per month |
| VIP每半年525元 | $14.99 | per 6 months |
| VIP每年690元 | $19.99 | per year |

**What reviewers like**

- 👍 Interface clean and intuitive
- 👍 Easy to use and practical
- 👍 Versatile and functional
- 👍 Good for tracking expenses
- 👍 Customization options available

**What reviewers complain about**

- 🐛 Slow startup after updates
- 🐛 Frequent logouts requiring re-login
- 🐛 App crashes when accessing monthly reports
- 🐛 Date search function removed, inconvenient
- 🐛 Fixed FX rates, not realistic

**Reported bugs**

- 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

**Requested features**

- 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


### PayoffRoute

[App page](https://appshunter.io/ios/app/payoffroute/id6791168049)

**Features:** Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PayoffRoute Pro Annual | $9.99 | per year |
| PayoffRoute Pro Lifetime | $14.99 | one-time |


## Frequently asked questions

### Is CWMoney free?

CWMoney is free to download, with in-app purchases available.

### Is PayoffRoute free?

PayoffRoute is free to download, with in-app purchases available.

### Do CWMoney or PayoffRoute have ads?

CWMoney shows ads; PayoffRoute does not.

### Which is updated more often, CWMoney or PayoffRoute?

CWMoney ships an update every 5 weeks, and PayoffRoute every 2 weeks. Most recently, CWMoney was updated on November 1, 2026 and PayoffRoute on October 31, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*