Comparison

SpendDiary vs Payback

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

Head to head
About

SpendDiary

Features
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You can easily manage all your daily expenses and spends during your business trips. Many times the receipts get torn or lost. Just click the photo of the receipt and add it to the app then you don't have to manually store the receipts of your business spends. Request for the reimbursement of all your business trip expenses. If you are a business owner and have to keep receipts in the long run for taxation purpose, you can store it in the app and email them. Expenses will be exported in the PDF format and will be attached to the mail. You can send unlimited emails of your spends using SpendDiary's premium feature. Features Categories There are different categories of the expenses which helps you to categorize your expenses easily. Track Your Expenses and Trips You can add and manage your Expenses and all the spends during your business trips You can categorize your expenses into different categories like Hotel, Medical, Food etc. Reimbursement Request You can send the request for the reimbursement for which you have paid earlier. All the selected expense/trips will be exported in the pdf and will be sent through Emails. Unlimited Emails of Expense Reports Using SpendDiary's premium feature you can send multiple Emails of your Expense Reports.

About

Payback

Features
Read full description

Stop forgetting who owes you money. Payback is a simple, elegant way to track money you've lent or borrowed โ€” so you always know who owes you, how much, and where things stand. No spreadsheets. No confusion. Just clarity. STAY IN CONTROL - Track money owed and what you owe - Log repayments and update balances instantly - See totals and progress at a glance - Add notes and keep everything organised - Find anything fast with powerful search BUILT FOR REAL LIFE Perfect for: - Friends and shared expenses - Roommates and rent tracking - Family loans and IOUs SIMPLE. PRIVATE. RELIABLE. Your data stays on your device. No accounts. No bank connections. Just a clean, secure way to stay on top of things. FREE TO USE Payback is free, including balance and Lock Screen widgets. The free plan covers up to 5 active debts at a time. GO FURTHER WITH PAYBACK PLUS Unlock advanced features including: - Larger Home Screen widgets and detailed widget layouts - Unlimited active debts - Contact linking for easier tracking - Payment requests using your preferred method - Recurring debts and interest tracking - Due dates, reminders and photo receipts - Detailed statistics and charts - PDF and CSV exports for reporting ALWAYS WITHIN REACH Use Home Screen and Lock Screen widgets to instantly see balances, upcoming amounts, and progress. TAKE CONTROL TODAY Download Payback and never lose track of money again. โ€” Prices are in USD and may vary by region. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period. Any unused portion of a free trial is forfeited when you purchase a subscription. You can manage or cancel your subscription in your Apple Account settings after purchase. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

SpendDiary4 screens
Payback4 screens

Verdict

The call

The clearest difference is update cadence: Payback at weekly against SpendDiary's every 2 months. SpendDiary's advantage is iOS requirement (9.0 vs 17.2). 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

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. SpendDiary sells 1 one-off in-app purchase and Payback sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

SpendDiary ships an update every 2 months, Payback weekly. The most recent releases landed on September 14, 2026 and September 21, 2026 respectively.

Scorecard2 real differences ยท 4 level
SpendDiary versus Payback: the parameters behind the verdict, then further details
ParameterSpendDiaryPayback
PriceFreeFree
Update frequencyEvery 2 monthsWeekly โ€” better
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPad, iPod โ€” betteriPhone, iPad
Requires iOS9.0 โ€” better17.2
Further details โ€” not scored
Size90 MB4 MB
Age rating4+4+
DeveloperEpicomm Technologies LtdJoshua Crellin

In-app purchases

1 purchases

SpendDiary

One-time1
  • Premium$0.99
3 purchases

Payback

Subscriptions2
  • Plus Monthly$3.991 Month
  • Plus Yearly$29.991 Year
One-time1
  • Plus Lifetime$99.99

Questions

Is SpendDiary free?
SpendDiary is free to download, with in-app purchases available.
Is Payback free?
Payback is free to download, with in-app purchases available.
Do SpendDiary or Payback have ads?
Neither SpendDiary nor Payback shows ads.
Which is updated more often, SpendDiary or Payback?
SpendDiary ships an update every 2 months, and Payback weekly. Most recently, SpendDiary was updated on September 14, 2026 and Payback on September 21, 2026.

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