Comparison

Pay Chart vs CentSage

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

CentSage

Manage your money with a straightforward budgeting and spending tracker. Log everyday expenses, create budgets by category, and review your financial patterns through simple reports. This app focuses on manual tracking for privacy and ease of use.

Highlights
  • Quick budget tracking by category
  • Fast manual spending entry
  • Manual transaction logging (income/expenses)
  • Monthly financial overview
  • Spending reports for pattern analysis
  • No bank linking required
  • Privacy-focused local data storage
Features
Read full description

CentSage is a simple budgeting and spending tracker designed for people who want to manage their money without complicated finance tools or bank linking. Track your budgets, log everyday spending, review transactions, and understand your monthly financial patterns — all from a clean, easy-to-use iOS app. CentSage is built around quick, low-friction budgeting. You can add spending directly from a budget in seconds, or create a more detailed transaction with a category, date, and note when you want more context. Key Features: Quick Budget Tracking: Create budgets by category and see how much you have spent, how much remains, and which areas need attention. Fast Spending Entry: Log everyday purchases quickly without filling out a long form. Open a budget, enter an amount, and move on. Manual Transaction Tracking: Add income and expenses manually, including optional notes, dates, and categories. Monthly Overview: See income, spending, recent activity, and budget progress at a glance. Spending Reports: Review lightweight reports to better understand where your money is going and how your spending changes over time. No Bank Linking Required: CentSage is designed for manual tracking, giving you control over what you enter and when. Privacy-Focused Design: CentSage does not currently require an account or bank connection. Your financial information is stored locally on your device. Dark Mode Support: Use CentSage comfortably in light mode or dark mode. CentSage is made for people who want budgeting to feel simple, fast, and easy to maintain. Whether you are tracking everyday spending, managing monthly budgets, or trying to better understand your habits, CentSage helps you stay aware without overwhelming you. Download CentSage and start tracking your money with clarity.

Screenshots

Pay Chart4 screens
CentSage3 screens

Verdict

The call

The clearest difference is in-app purchases: CentSage at none against Pay Chart's 1. CentSage also leads on ads (none vs shown) and update cadence (every 2 days vs every 4 months). Pay Chart's advantage is device support (3 vs 1). On price 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. CentSage asks for nothing beyond the download.

UpkeepUpdate frequency

Pay Chart ships an update every 4 months, CentSage every 2 days. The most recent releases landed on September 17, 2026 and June 1, 2026 respectively.

Scorecard5 real differences · 4 level
Pay Chart versus CentSage: the parameters behind the verdict, then further details
ParameterPay ChartCentSage
PriceFreeFree
Rating—5.0 (3 ratings) — better
Number of ratings—3 — better
Update frequencyEvery 4 monthsEvery 2 days — better
AdsYesNo — better
In-app purchasesYesNo — better
Monetization—Free
DevicesiPhone, iPad, Apple Watch — betteriPhone
Requires iOS26.018.6 — better
Further details — not scored
Size18 MB9 MB
Age rating4+4+
DeveloperNUTRACTORChristopher Endress

In-app purchases

1 purchases

Pay Chart

One-time1
  • Remove Ad$4.99
None

CentSage

No in-app purchases

Questions

Is Pay Chart free?
Pay Chart is free to download, with in-app purchases available.
Is CentSage free?
CentSage is free to download, with no in-app purchases.
Do Pay Chart or CentSage have ads?
Pay Chart shows ads; CentSage does not.
Which is updated more often, Pay Chart or CentSage?
Pay Chart ships an update every 4 months, and CentSage every 2 days. Most recently, Pay Chart was updated on September 17, 2026 and CentSage on June 1, 2026.

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