Paymaster vs MySpend
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Paymaster
Take control of your finances with this app. Track expenses and income across multiple currencies, plan budgets, and analyze spending patterns. It offers features like SMS transaction import and payment reminders to help you manage your money effectively.
- Expense and income tracking
- Budget planning
- Multi-currency support (170+)
- Transaction creation from SMS
- Scheduled payment reminders
- Graphical reports
- Configurable categories
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Do not know where your money goes? Can't save money? Paymaster will help to take finances under control! You will always know how much you have in your wallet, on the credit card and on the bank account. How much do you owe and how much one owes to you. You can: - Maintain accounts and keep notes about your expenses and incomes in 170 currencies. - Plan your budget. - Analyze the structure of expenses and incomes. - Monitor the profitability of your savings in foreign currency. Paymaster will be: - Create transactions from SMS banks send. - Remind to make scheduled payments. - Warn about exceeding budgets. Paymaster has everything you need: - Graphical reports. - Configurable categories of expenses and incomes. - Over 170 currencies. - Transaction creation from SMS banks send. - Budgets. - TAGs. - Transaction splitting. - Backups. - Data protection. Paymaster has a free version (Package TRACK) with some limitations (2 accounts, 10 SMS for parsing per month, charts, budgets and currencies functionality limitations). For basic accounting, it is more than enough (and it’s also ad-free)! If you want to take your finances under full control, analyse expenses and incomes, monitor your savings and exchange rates, then there are two subscription plans without limitations: "Plan SAVE UP" and "Plan MANAGE". Payment will be charged to your Apple ID account at the confirmation of purchase. The subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your App Store account settings after purchase. Here is a link to the Terms of Use: https://paymaster.site/terms-of-use?lang=en
MySpend
Effortlessly track personal or shared expenses with this finance app. It offers quick transaction logging, multiple wallet options, and customizable categories. Share specific spending categories with others via a simple link for collaborative budgeting.
- Quick expense logging
- Multiple wallet support
- Customizable spending categories
- Shareable expense links
- Real-time sync for shared budgets
- Visual spending analytics
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MySpend is the ultimate expense tracker designed for both personal privacy and seamless family sharing. Stop arguing about money and start tracking it together. Whether you need a simple daily spending log or a collaborative budget for your household, MySpend adapts to your needs. Our unique "Public Category" feature lets you share specific expenses via a simple link—no complex setup required. KEY FEATURES: EASY EXPENSE TRACKING • Quick Add: Record transactions in seconds. • Multiple Wallets: Separate cash, bank accounts, and savings. • Custom Categories: Organize spending with icons and colors. SMART SHARING • Share via Link: Make any category "Public" and send the link. • Real-Time Sync: See who spent what instantly. • Privacy Control: Share "Groceries" but keep "Personal" private. • Perfect for: Couples, roommates, and travel groups. POWERFUL ANALYTICS • Visual Charts: See exactly where your money goes. • History & Trends: Analyze spending patterns over time. • Multi-Currency: Track expenses in different currencies. SECURE & PRIVATE • Your data is encrypted and safe. • No unnecessary permissions. Take control of your financial life. Download MySpend today to track, share, and save! Privacy policy: https://doc-hosting.flycricket.io/lovely-money-tracker-privacy-policy/68ccad44-f820-4d24-9b8d-3b4784311418/privacy Terms and conditions: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is rating: MySpend at 5.0 against Paymaster's 4.0. MySpend also leads on review sentiment (100% vs 63%). Paymaster's advantage is ratings volume (4 vs 1). On price, update cadence, ads and in-app purchases 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
Both are free to download. Paymaster sells 4 in-app purchases, starting at $2.99 per month and MySpend sells 5 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.
MySpend holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 4 and 1 respectively. Written reviews point the same way: 63% of Paymaster's written reviews are positive against 100% of MySpend's.
Paymaster ships an update monthly, MySpend every 3 weeks. The most recent releases landed on October 15, 2026 and October 7, 2026 respectively.
| Parameter | Paymaster | MySpend |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (4 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 62.5% of reviews | 100.0% of reviews — better |
| Number of ratings | 4 — better | 1 |
| Update frequency | Monthly | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 135 MB | 45 MB |
| Age rating | 4+ | 4+ |
| Developer | Sergey Kolyoskin | Vadim Holub |
Customer experience
Paymaster
MySpend
In-app purchases
Paymaster
- "SAVE UP" monthly plan1 Month trial$2.991 Month
- "MANAGE" monthly plan1 Month trial$5.991 Month
- "SAVE UP" yearly plan1 Month trial$17.991 Year
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- "MANAGE" yearly plan1 Month trial$35.991 Year
MySpend
- Weekly Subscription$0.997 Days
- Monthly Subscription3 Days trial$2.991 Month
- Annual Subscription$14.991 Year
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- Forever without Subscription6 Months trial$34.996 Months
- Forever without Subscription$39.99









