Comparison

Pay Chart vs Handy Expense Tracker

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

Head to head
About

Pay Chart

Features
Read full description

This household budgeting app keeps track of your daily expenses. The input screen includes a graph showing the ratio of your expenses every month, so you can tell at a glance when you're spending too much. - Divides up your expenses by category. - Can sync data with multiple devices, including iCloud, iPhone, and iPad. (Syncing may take time.) - Enter expenses from your Apple Watch. (Syncing with the parent device may take time.) - CSV file export lets you open your data in Numbers and other spreadsheet applications.

About

Handy Expense Tracker

This app helps you manage your personal finances by tracking daily income and expenses, allowing you to attach receipt images. It offers secure data protection with FaceID/TouchID and supports multi-currency bookkeeping with detailed analysis and reporting.

Highlights
  • Record income and expenses
  • Attach receipt and invoice images
  • Secure data with FaceID/TouchID
  • Automatic data extraction from images
  • Multi-currency support
  • Detailed financial analysis and charts
  • Data import/export via CSV
Features
Read full description

Handy Expense Tracker is a simple and clear income and expense tracker for iPhone, iPad, and Mac. Organize everyday purchases, travel expenses, business reimbursements, and household finances with flexible categories, tags, and payment methods. Every transaction stays easy to find, helping you understand where your money goes. Key Features • Quickly record income and expenses Follow a clear step-by-step process to enter the category, amount, merchant, date, details, payment method, and tags. The amount field supports simple calculations, making it easy to total multiple items. • Extract information from receipts and order images Take a photo, select an order screenshot from your photo library, or share an image from another app. Handy Expense Tracker can extract the amount, date, merchant, and category for you to review before saving. • Search and reuse previous records Find similar transactions by amount, subcategory, merchant, or keywords. Reuse information from an existing record to reduce repetitive data entry. • Browse every transaction clearly View income and expense summaries by year, month, or date. Sort records by amount or time, and narrow the results by category, tag, or payment method. • Organize records in batches Delete multiple records, apply tags, or move selected transactions to another subcategory. • Analyze spending with charts Use bar charts or pie charts to summarize income and expenses by date, category, subcategory, tag, or payment method. Add frequently used reports to Quick Access. • Flexible categories and tags Start with built-in income and expense categories, then customize categories, subcategories, and tags to match your needs. Apply multiple tags to a transaction to organize travel, projects, household members, or reimbursement status. • Multiple payment methods and currencies Manage cash, bank cards, mobile payments, and other payment methods. Assign a currency to each payment method and view converted amounts for foreign-currency transactions. • Templates and automatic records Create monthly templates for recurring transactions such as rent and subscription services. Records are generated automatically on the date you choose. • Automatic iCloud sync Use the same iCloud account to keep your records synchronized across your Apple devices. • File backup and restore Export categories, tags, payment methods, and transaction records to a CSV file. You can also import data from a file when needed. • Privacy protection Enable Face ID, Touch ID, or device passcode authentication to protect your financial information. Keep expense tracking simple—and keep every transaction easy to understand.

Screenshots

Pay Chart4 screens
Handy Expense Tracker4 screens

Verdict

The call

The clearest difference is ads: Handy Expense Tracker at none against Pay Chart's shown. Handy Expense Tracker also leads on update cadence (every 6 weeks vs every 4 months) and iOS requirement (17.0 vs 26.0). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Pay Chart sells 1 one-off in-app purchase and Handy Expense Tracker sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Pay Chart ships an update every 4 months, Handy Expense Tracker every 6 weeks. Both last shipped on October 4, 2026.

Scorecard3 real differences · 6 level
Pay Chart versus Handy Expense Tracker: the parameters behind the verdict, then further details
ParameterPay ChartHandy Expense Tracker
PriceFreeFree
Rating—5.0 (1 ratings) — better
Number of ratings—1 — better
Update frequencyEvery 4 monthsEvery 6 weeks — better
AdsYesNo — better
In-app purchasesYesYes
Monetization—Free with in-app purchases
DevicesiPhone, iPad, Apple WatchiPhone, iPad, Mac
Requires iOS26.017.0 — better
Further details — not scored
Size18 MB6 MB
Age rating4+4+
DeveloperNUTRACTOR国相 鲁

In-app purchases

1 purchases

Pay Chart

One-time1
  • Remove Ad$4.99
1 purchases

Handy Expense Tracker

One-time1
  • Unrestricted version upgrade$5.99

Questions

Is Pay Chart free?
Pay Chart is free to download, with in-app purchases available.
Is Handy Expense Tracker free?
Handy Expense Tracker is free to download, with in-app purchases available.
Do Pay Chart or Handy Expense Tracker have ads?
Pay Chart shows ads; Handy Expense Tracker does not.
Which is updated more often, Pay Chart or Handy Expense Tracker?
Pay Chart ships an update every 4 months, and Handy Expense Tracker every 6 weeks. Most recently, Pay Chart was updated on October 4, 2026 and Handy Expense Tracker on October 4, 2026.

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