# Pay Chart vs Effortless Budget

The clearest difference is in-app purchases: Effortless Budget at none against Pay Chart's 1. Effortless Budget also leads on ads (none vs shown) and update cadence (daily vs every 4 months). Pay Chart's advantage is device support (3 vs 1). On price and iOS requirement there is nothing between them.

Both are free to download. Pay Chart sells 1 one-off in-app purchase. Effortless Budget asks for nothing beyond the download.

Pay Chart ships an update every 4 months, Effortless Budget daily. The most recent releases landed on October 4, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | Pay Chart | Effortless Budget |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Daily** |
| Size | 18 MB | 23 MB |
| Requires iOS | 26.0 | 26.0 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [NUTRACTOR](https://appshunter.io/developer/305620719) | [Sree Mahit Munakala](https://appshunter.io/developer/1863761962) |

## What reviewers say

### Pay Chart

[App page](https://appshunter.io/ios/app/pay-chart/id1349002125)

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ad | $4.99 | one-time |


### Effortless Budget

[App page](https://appshunter.io/ios/app/effortless-budget/id6756936860)

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

**In-app purchases:** none


## Frequently asked questions

### Is Pay Chart free?

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

### Is Effortless Budget free?

Effortless Budget is free to download, with no in-app purchases.

### Do Pay Chart or Effortless Budget have ads?

Pay Chart shows ads; Effortless Budget does not.

### Which is updated more often, Pay Chart or Effortless Budget?

Pay Chart ships an update every 4 months, and Effortless Budget daily. Most recently, Pay Chart was updated on October 4, 2026 and Effortless Budget on October 9, 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.*