Comparison

Keepfully vs PaySurge

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Keepfully

Easily track money and items you lend or borrow. Get a clear overview of personal loans, receive automatic reminders, and organize everything with iCloud Sync and Siri support.

Highlights
  • Track money and objects lent/borrowed
  • Organize by person with overview
  • Automatic loan reminders
  • Archive of returned loans
  • iCloud Sync and Siri support
  • Widgets and Shortcuts integration
Features
Read full description

Keepfully is a simple, powerful app designed to help you keep track of everything you lend or borrow – whether it’s money, books, tools, or just about anything else. Instead of relying on memory or scattered notes, Keepfully gives you a clear overview of your personal loans, helping you stay organized and avoid awkward moments. TRACK MONEY AND OBJECTS Keep track of money and objects you’ve lent to or borrowed from friends, family, or colleagues. Keepfully supports multiple currencies and lets you optionally add a location to each loan – perfect for remembering the context later. PERSONS OVERVIEW See exactly who owes what with the Persons tab, which lists all your saved people along with their loans. Mark favorites for quicker access and display them directly in the iPad’s sidebar. AUTOMATIC REMINDERS Never forget an open loan again. Enable automatic reminders to receive a notification after a customizable amount of time from the loan’s creation date. ARCHIVE The archive stores all returned loans, offering peace of mind and easy reference. Can’t remember if you paid your friend back that $50 from the other night? Just check the archive. SYSTEM INTEGRATION Keepfully is deeply integrated with Apple’s ecosystem. Enjoy seamless iCloud Sync, Widgets, Siri support, and full Shortcuts integration to streamline your experience across devices. PRO FEATURES • Unlimited Loans (2 active loans are free) • Track Object Loans • Reminder Notifications • Customizable Quick Entries (The Pro features require an additional in app purchase.)

About

PaySurge

Access your earned wages before your next payday. Avoid late fees, overdrafts, and missed financial opportunities. Get your money when you need it most.

Highlights
  • Access earned wages early
  • Avoid late payment fees
  • Prevent overdraft charges
  • Seize missed opportunities
  • Get money when needed
Features
Read full description

Any day can be Payday! Sometimes payday is just too far away. No more late payments, over draft fees, expensive loans or missed opportunities. Get your money when you need it. PaySurge allows you to access your wages prior to your next pay day.

Screenshots

Keepfully4 screens
PaySurge4 screens

Verdict

The call

The clearest difference is rating: Keepfully at 3.9 against PaySurge's 3.2. Keepfully also leads on device support (4 vs 2). PaySurge's advantage is in-app purchases (none vs 1) and update cadence (every 3 weeks vs every 3 months). On price, review sentiment, ratings volume and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Keepfully sells 1 one-off in-app purchase. PaySurge asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Keepfully holds the better App Store score, 3.9 against 3.2. Both are backed by a comparable volume of ratings — 30 and 17 respectively. Written reviews point the same way: 50% of Keepfully's written reviews are positive against 44% of PaySurge's.

UpkeepUpdate frequency

Keepfully ships an update every 3 months, PaySurge every 3 weeks. The most recent releases landed on September 24, 2026 and June 1, 2026 respectively.

Scorecard6 real differences · 4 level
Keepfully versus PaySurge: the parameters behind the verdict, then further details
ParameterKeepfullyPaySurge
PriceFreeFree
Rating3.9 (30 ratings) — better3.2 (17 ratings)
Positive reviews50.0% of reviews — better44.4% of reviews
Number of ratings30 — better17
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
DevicesiPhone, iPad, Apple Watch, Vision Pro — betteriPhone, iPod
Requires iOS18.415.6 — better
Further details — not scored
Size15 MB44 MB
Age rating4+4+
DeveloperAlexander KaessnerFuzie, LLC

Customer experience

Keepfully

All ratings30 ratings
Positive66.7%
Neutral10.0%
Negative23.3%
Written reviews12 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

PaySurge

All ratings16 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews9 reviews
Positive44.4%
Neutral0.0%
Negative55.6%

In-app purchases

1 purchases

Keepfully

One-time1
  • Keepfully Pro$2.99
None

PaySurge

No in-app purchases

Questions

Is Keepfully free?
Keepfully is free to download, with in-app purchases available.
Is PaySurge free?
PaySurge is free to download, with no in-app purchases.
Which has better reviews, Keepfully or PaySurge?
Keepfully is rated higher. Keepfully averages 3.9 out of 5 from 30 ratings, while PaySurge averages 3.2 from 17 ratings.
Do Keepfully or PaySurge have ads?
Neither Keepfully nor PaySurge shows ads.
Which is updated more often, Keepfully or PaySurge?
Keepfully ships an update every 3 months, and PaySurge every 3 weeks. Most recently, Keepfully was updated on September 24, 2026 and PaySurge on June 1, 2026.

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