Comparison

Ard vs NetPay

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

Head to head
About

Ard

Manage your financial assets globally with this secure application. View balances, transfer funds, pay bills, and even get loan approvals in minutes. It also offers automatic credit scoring, new account openings, and stock trading.

Highlights
  • Global account access
  • View balances and history
  • Fund transfers
  • Bill payments
  • 5-minute loan approvals
  • Automatic credit scoring
  • Stock trading
Features
Read full description

Welcome to Ard App Өдөр тутмын банкны үйлчилгээнээс эхлээд хөрөнгө оруулалт, зээл, даатгалын үйлчилгээг нэг дороос хаанаас ч, хэзээ ч хялбар, хурдан удирдах боломж Таны Ард Аппад. Үндсэн боломжууд: • Салбарт ирэлгүйгээр Ард Аппын харилцагч болох • Шилжүүлэг, төгрөг болон ардкойны хосолсон гүйлгээ хийх • Нэхэмжлэх үүсгэх, бүх банкны данснаас орлого хүлээн авах • Гүйлгээ бүрд урамшуулал цуглуулах • Хэрэглээнд тохирсон зээлийн шийдлүүдээс сонгох • Хувааж төлөх үйлчилгээ • Өндөр өгөөжтэй хуримтлал үүсгэх • Хэрэглээний төлбөрөө автоматаар төлөх • Хөрөнгө оруулалт, арилжаа хийх • Бүх төрлийн даатгалын үйлчилгээ авах • Өдөр тутмын хэрэгцээнд нийцсэн мини аппууд Мөн та Ард Апп дахь нийт дансны үлдэгдэл болон эзэмшиж буй ардкойны зах зээлийн үнэлгээ тодорхой хэмжээнд хүрсэн тохиолдолд 5 одтой гишүүн болж, Ард Аппын нэмэлт давуу эрхүүдийг авах боломжтой. All your financial needs, powered by Ard App Manage your finances anytime, anywhere all in one place. From everyday banking to investments, loans, and insurance, everything you need is in Ard App. Key Features: •Become a customer instantly no branch visit required •Send money and make transactions in MNT and ardcoin •Create invoices and receive payments from any bank •Earn rewards with every transaction •Access loan solutions tailored to your needs •Split payments with flexible “Pay Later” options •Grow your savings with high-yield accounts •Automate your bill payments •Invest and trade with ease •Get access to a full range of insurance services •Explore lifestyle mini apps for your everyday needs Reach a certain balance across your accounts or ardcoin holdings to unlock 5-Star Membership and enjoy exclusive benefits within Ard App.

About

NetPay

Easily estimate your take-home pay with detailed breakdowns of taxes and deductions. This app simplifies paycheck calculations for hourly or salaried income, offering clear visual charts and offline functionality. Plan your finances with confidence by comparing different pay scenarios.

Highlights
  • Estimate take-home pay
  • Calculate hourly/salary income
  • Federal and state tax estimates
  • Clear breakdown of pay
  • Visual charts for understanding
  • Compare pay scenarios
  • Offline functionality
Features
Read full description

Know what you’ll actually take home. NetPay is a paycheck calculator and pay-planning app that helps you estimate your take-home pay, understand where your money goes, and explore how changes to your income could affect your paycheck. Whether you’re paid hourly or salary, working overtime, considering a raise, comparing job offers, or just wondering what your next paycheck might look like, NetPay makes the numbers easier to understand. PAYCHECK CALCULATOR • Estimate take-home pay for hourly and salary income • Weekly, bi-weekly, semi-monthly, and monthly pay schedules • Federal and supported state tax estimates • Filing status and dependent support • Overtime calculations • Bonuses, commissions, tips, shift differentials, holiday pay, PTO payouts, and other earnings • 401(k), Roth 401(k), HSA, health insurance, and other deduction options • W-4 withholding options SEE WHERE YOUR PAYCHECK GOES Get a clear breakdown of: • Gross pay • Federal withholding • State withholding • Social Security and Medicare • Deductions • Estimated take-home pay Easy-to-read visuals help you understand how much you’re earning, what’s being withheld, and what you actually keep. PLAN YOUR PAY NetPay goes beyond a basic salary calculator. Explore questions like: • What would my paycheck look like with overtime? • How much more would I take home after a raise? • How do two job offers compare after taxes? • What salary could help me reach a take-home pay goal? • How would changing my 401(k) affect my paycheck? • What could my pay look like over a full year? Use What If scenarios, annual projections, paycheck comparisons, the Raise Calculator, Job Offer Comparison, and Take-Home Goal tools to explore different possibilities. SAVE YOUR PAY SETUP Stop entering the same information every time. Save Pay Profiles for your regular paycheck setup, then quickly adjust the things that change—like hours, overtime, bonuses, or other earnings. NETPAY PRO — ONE-TIME PURCHASE Unlock NetPay’s advanced planning tools with one purchase. No subscription. Pro features include: • Unlimited Pay Profiles • Paycheck History • Side-by-side paycheck comparisons • What If scenarios • Raise Calculator • Job Offer Comparison • Take-Home Goal • Annual projections • Advanced paycheck options • PDF and CSV exports Pay once. Keep Pro. PRIVACY-FOCUSED Your salary, wages, tax amounts, deductions, paycheck amounts, and other financial values are not sent to NetPay analytics. Paycheck calculations and saved financial information remain on your device. IMPORTANT NetPay provides estimates for informational and planning purposes only. Results are not tax, financial, accounting, or legal advice. Actual withholding and take-home pay may vary based on employer payroll practices, tax elections, benefits, local taxes, and applicable tax rules.

Screenshots

Ard4 screens
NetPay4 screens

Verdict

The call

The clearest difference is in-app purchases: Ard at none against NetPay's 1. Ard also leads on ratings volume (75 vs 2) and update cadence (every 10 days vs every 5 weeks). On price, rating, ads 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. NetPay sells 1 one-off in-app purchase. Ard asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 3.0 for Ard against 3.0 for NetPay. That said, the two scores are not equally well evidenced: Ard has 75 ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 11% of Ard's written reviews are positive against 0% of NetPay's.

UpkeepUpdate frequency

Ard ships an update every 10 days, NetPay every 5 weeks. The most recent releases landed on October 22, 2026 and October 8, 2026 respectively.

Scorecard5 real differences · 5 level
Ard versus NetPay: the parameters behind the verdict, then further details
ParameterArdNetPay
PriceFreeFree
Rating3.0 (75 ratings) — better3.0 (2 ratings)
Positive reviews10.7% of reviews — better0.0% of reviews
Number of ratings75 — better2
Update frequencyEvery 10 days — betterEvery 5 weeks
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better16.4
Further details — not scored
Size119 MB53 MB
Age rating4+4+
DeveloperArd Financial GroupQuailSofts LLC

Customer experience

Ard

All ratings75 ratings
Positive50.7%
Neutral2.7%
Negative46.7%
Written reviews28 reviews
Positive10.7%
Neutral7.1%
Negative82.1%

NetPay

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Ard

No in-app purchases

1 purchases

NetPay

One-time1
  • NetPay Pro$4.99

Questions

Is Ard free?
Ard is free to download, with no in-app purchases.
Is NetPay free?
NetPay is free to download, with in-app purchases available.
Which has better reviews, Ard or NetPay?
Ard is rated higher. Ard averages 3.0 out of 5 from 75 ratings, while NetPay averages 3.0 from 2 ratings.
Do Ard or NetPay have ads?
Neither Ard nor NetPay shows ads.
Which is updated more often, Ard or NetPay?
Ard ships an update every 10 days, and NetPay every 5 weeks. Most recently, Ard was updated on October 22, 2026 and NetPay on October 8, 2026.

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