Comparison

Pay Chart vs Your Budgets

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
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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

Your Budgets

Features
Read full description

Your Budgets is a family budgeting app for iPhone and iPad: track who paid, who received, and how much — across 37 currencies — with a year planner inspired by a household spreadsheet. DASHBOARD • Net balance for the month with income and expense breakdown • Per-member totals, category budget progress, savings goals • Recent transactions and quick-add TRANSACTIONS • Income, expense, transfer, and savings contributions • Split bills, receipt photos, optional location • Keyword category suggestions as you type • Bank CSV import (Mono, Privat, Revolut, Wise, generic) FAMILY & CATEGORIES • Family members with salaries and monthly salary history • People outside the household you spend on • 20 default categories + custom colors and icons • Monthly category budgets with progress bars YEAR PLANNER • 12-month grid with income, required, and other expense blocks • Recurring lines copied to future months; paid checkbox per item • Turn a planned line into a real transaction in one tap • Optional reminders for upcoming payments MORE TOOLS • Savings goals with deadlines and progress • Recurring transaction rules • Multi-currency accounts, loans, and crypto holdings • Reports: pie, bar, and line charts; CSV and PDF export • Month-end forecast on the Dashboard PLATFORM • Home Screen widgets (Small and Medium) • Optional Live Activity • Siri Shortcuts and widget deep links • Export/import JSON to Lutarea BACKUPS in iCloud Drive • Optional passcode and Face ID • Light, dark, and gold themes; 9 interface languages Exchange rates refresh from public APIs. Amounts stay in their native currency; totals convert at display time. No ads and no analytics. The only network request is fetching exchange rates. There is no iCloud database sync and no Apple Watch app. Your Budgets is not tax, legal, or investment advice. All data stays on your device. Part of the Your … app family by Lutarea.

Screenshots

Pay Chart4 screens
Your Budgets4 screens

Verdict

The call

The clearest difference is in-app purchases: Your Budgets at none against Pay Chart's 1. Your Budgets also leads on ads (none vs shown) and iOS requirement (17.0 vs 26.0). On price 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. Your Budgets asks for nothing beyond the download.

Scorecard3 real differences · 3 level
Pay Chart versus Your Budgets: the parameters behind the verdict, then further details
ParameterPay ChartYour Budgets
PriceFreeFree
Update frequencyEvery 4 months—
AdsYesNo — better
In-app purchasesYesNo — better
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS26.017.0 — better
Further details — not scored
Size18 MB16 MB
Age rating4+4+
DeveloperNUTRACTORAlexandr Lutenko

In-app purchases

1 purchases

Pay Chart

One-time1
  • Remove Ad$4.99
None

Your Budgets

No in-app purchases

Questions

Is Pay Chart free?
Pay Chart is free to download, with in-app purchases available.
Is Your Budgets free?
Your Budgets is free to download, with no in-app purchases.
Do Pay Chart or Your Budgets have ads?
Pay Chart shows ads; Your Budgets does not.

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