# Instant Financial vs Nine2Five

The clearest difference is rating: Nine2Five at 5.0 against Instant Financial's 4.5. Nine2Five also leads on update cadence (fortnightly vs every 4 months) and device support (3 vs 1). Instant Financial's advantage is in-app purchases (none vs 3) and ratings volume (10K vs 3). On price, ads, monetization model and iOS requirement there is nothing between them.

Both are free to download. Nine2Five sells 3 in-app purchases, starting at $2.99 per month. Instant Financial asks for nothing beyond the download.

Nine2Five holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Instant Financial has 10K ratings behind it against 3, so its average is the more settled of the two.

Instant Financial ships an update every 4 months, Nine2Five fortnightly. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Instant Financial | Nine2Five |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (10K ratings)](https://appshunter.io/ios/app/instant-financial/id1061399931/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/nine2five-paycheck-tracker/id6769925589/reviews)** |
| Number of ratings | **10K** | 3 |
| Positive reviews | 11.3% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 63 MB | 33 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 12+ | 4+ |
| Developer | [Instant Financial Inc.](https://appshunter.io/developer/1056921603) | [Benjamin Slapelis](https://appshunter.io/developer/1869496373) |

## What reviewers say

### Instant Financial

[App page](https://appshunter.io/ios/app/instant-financial/id1061399931)

Access your earned wages instantly and fee-free, without waiting for payday. Manage your money, pay bills, and transfer funds with real-time financial control.

**Highlights:** Fee-free wage access, Real-time earnings access, Bill payment, Fund transfers, Savings management, Financial control

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Instant access to earnings
- 💡 Convenient way to manage tips
- 👍 Simple and straightforward app

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 💰 Excessive fees for ATM withdrawals
- 🕰️ Slow transfers to bank accounts
- 🔒 Security and fraud issues
- 🤔 Mandatory use of app by employers

**Reported bugs**

- Login issues and password reset problems
- Inconsistent transaction history and balance display
- Inability to access funds during app maintenance

**Requested features**

- Faster bank account transfers
- More ATM network coverage
- Improved app stability and reliability
- Better fraud protection and security


### Nine2Five

[App page](https://appshunter.io/ios/app/nine2five-paycheck-tracker/id6769925589)

Track your real-time earnings, overtime, and payday countdown. Visualize your budget coverage and projected yearly income. Ideal for hourly workers and freelancers to manage their finances.

**Highlights:** Live earnings ticker, Overtime tracking, Payday countdown, Budget coverage visualization, Work history log, Projected yearly earnings calculator

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Nine2Five Monthly | $2.99 | per month |
| Nine2Five Yearly | $24.99 | per year |
| Nine2Five Lifetime | $59.99 | one-time |


## Frequently asked questions

### Is Instant Financial free?

Instant Financial is free to download, with no in-app purchases.

### Is Nine2Five free?

Nine2Five is free to download, with in-app purchases available.

### Which has better reviews, Instant Financial or Nine2Five?

Nine2Five is rated higher. Instant Financial averages 4.5 out of 5 from 10K ratings, while Nine2Five averages 5.0 from 3 ratings.

### Do Instant Financial or Nine2Five have ads?

Neither Instant Financial nor Nine2Five shows ads.

### Which is updated more often, Instant Financial or Nine2Five?

Instant Financial ships an update every 4 months, and Nine2Five fortnightly. Most recently, Instant Financial was updated on November 3, 2026 and Nine2Five 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.*