# Paymaster vs SpendWave Expense tracker App

The clearest difference is rating: SpendWave Expense tracker App at 4.8 against Paymaster's 4.0. SpendWave Expense tracker App also leads on update cadence (fortnightly vs monthly) and device support (4 vs 2). Paymaster's advantage is iOS requirement (15.0 vs 17.6). On price, review sentiment, ratings volume and ads there is nothing between them.

Both are free to download. Paymaster sells 4 in-app purchases, starting at $2.99 per month and SpendWave Expense tracker App sells 4 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

SpendWave Expense tracker App holds the better App Store score, 4.8 against 4.0. Both are backed by a comparable volume of ratings — 4 and 9 respectively. Written reviews point the same way: 63% of Paymaster's written reviews are positive against 70% of SpendWave Expense tracker App's.

Paymaster ships an update monthly, SpendWave Expense tracker App fortnightly. The most recent releases landed on October 15, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | Paymaster | SpendWave Expense tracker App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (4 ratings)](https://appshunter.io/ios/app/paymaster-my-spending-tracker/id1462048413/reviews) | **[4.8 (9 ratings)](https://appshunter.io/ios/app/spendwave-expense-tracker-app/id6463366735/reviews)** |
| Number of ratings | 4 | **9** |
| Positive reviews | 62.5% of reviews | **70.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Freemium | Freemium |
| Size | 135 MB | 19 MB |
| Requires iOS | **15.0** | 17.6 |
| Devices | iPhone, iPod | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Sergey Kolyoskin](https://appshunter.io/developer/1462048412) | [Robin Guido Schmidt](https://appshunter.io/developer/1571959440) |

## What reviewers say

### Paymaster

[App page](https://appshunter.io/ios/app/paymaster-my-spending-tracker/id1462048413)

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.

**Highlights:** Expense and income tracking, Budget planning, Multi-currency support (170+), Transaction creation from SMS, Scheduled payment reminders, Graphical reports, Configurable categories

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| "SAVE UP" monthly plan | $2.99 | per month |
| "MANAGE" monthly plan | $5.99 | per month |
| "SAVE UP" yearly plan | $17.99 | per year |
| "MANAGE" yearly plan | $35.99 | per year |


### SpendWave Expense tracker App

[App page](https://appshunter.io/ios/app/spendwave-expense-tracker-app/id6463366735)

Easily manage your income and expenses with this personal finance companion. Track spending, set savings goals, and gain insights with detailed analyses and a financial calendar. Securely organize your money across different accounts and currencies.

**Highlights:** Multiple accounts and currencies, Quick transaction recording, Financial calendar overview, Customizable spending categories, Savings goal tracking, Detailed financial analysis, Data encryption for security

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendWave+ Monthly | $0.99 | per month |
| SpendWave+ Monthly | $1.99 | per month |
| SpendWave+ Yearly | $14.99 | per year |
| SpendWave+ one-time purchase | $29.99 | one-time |


## Frequently asked questions

### Is Paymaster free?

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

### Is SpendWave Expense tracker App free?

SpendWave Expense tracker App is free to download, with in-app purchases available.

### Which has better reviews, Paymaster or SpendWave Expense tracker App?

SpendWave Expense tracker App is rated higher. Paymaster averages 4.0 out of 5 from 4 ratings, while SpendWave Expense tracker App averages 4.8 from 9 ratings.

### Do Paymaster or SpendWave Expense tracker App have ads?

Neither Paymaster nor SpendWave Expense tracker App shows ads.

### Which is updated more often, Paymaster or SpendWave Expense tracker App?

Paymaster ships an update monthly, and SpendWave Expense tracker App fortnightly. Most recently, Paymaster was updated on October 15, 2026 and SpendWave Expense tracker App 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.*