PayTogether vs Smart saving
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
PayTogether
Read full descriptionHide full description
Keeping an eye on monthly expenses gets tricky, when living together with someone but not sharing the same bank account. At times you would like a quick overview about who has spent most, who is up for the next payment of e.g. groceries. With this app you will be able to manage your expenses, list them and share them with family, friends or flat mates. When sharing a list, every member can add own spendings and hence create an overview about the current status. - no limit of lists - synchronization between desktop and mobile app (also for windows available) - invite others and share expense lists - individual expense lists - daily comparison of expenses with list-members - reset expense lists (e.g. at the end of month) - optional a balance of expenses can be kept after list was reset
Smart saving
Read full descriptionHide full description
Smart Saving is a simple monthly income and expense tracker that helps you stay aware of your spending. Enter your salary once, add expenses as you spend, and Smart Saving will instantly show how much you have left. Clean, fast, and easy to use.
Screenshots
Verdict
The clearest difference is update cadence: Smart saving at every 9 days against PayTogether's every 5 months. PayTogether's advantage is iOS requirement (8.0 vs 13.0). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PayTogether ships an update every 5 months, Smart saving every 9 days. The most recent releases landed on October 26, 2026 and October 30, 2026 respectively.
| Parameter | PayTogether | Smart saving |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 5 months | Every 9 days โ better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 8.0 โ better | 13.0 |
| Further details โ not scored | ||
| Size | 91 MB | 19 MB |
| Age rating | 4+ | 17+ |
| Developer | Oliver Sass | samer sweiss |
In-app purchases
PayTogether
No in-app purchases
Smart saving
No in-app purchases
Questions
Is PayTogether free?
Is Smart saving free?
Do PayTogether or Smart saving have ads?
Which is updated more often, PayTogether or Smart saving?
Other comparisons















