Net Worth by BalanceViewer vs Cypher Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Net Worth by BalanceViewer
Track your financial portfolio by updating account balances monthly. This app supports numerous currencies and investment types, providing a clear overview of your net worth without requiring sensitive data or bank linking.
- Monthly balance updates
- Supports 162 currencies
- Tracks stocks, ETFs, Mutual Funds
- Tracks 8000+ cryptocurrencies
- Anonymous tracking
- Income and expense calculation
- Cross-device synchronization
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BalanceViewer supports 162 world currencies, 8000+ cryptocurrencies, and cover all US stocks, ETFs, and Mutual Funds (more than 120 000 in total). Get control over your finances in less time by tracking only account balances on a monthly basis. Use the app anonymously, without creating an account or providing any sensitive data about yourself. =============== --HOW IT WORKS-- =============== 1. Update account balances once a month; 2. Track all your income; 3. Check your financial overview, including all your expenses*. *expenses are calculated automatically using the following formula: expenses = start balance + income for the selected period – end balance. SEE YOUR NET WORTH AT A GLANCE: BalanceViewer provides a snapshot of your financial situation at any point of time reduced to a few numbers. THE FASTEST INCOME & EXPENSES TRACKER: Forget about tracking every single transaction! Now you will only need 5 MINUTES per month! SIMPLIFY YOUR FINANCES: • View all your assets and liabilities in one place. • Custom lists let you combine accounts. • Detailed income statistics for any period of time. • Charts track individual accounts, lists and total balance histories. • Reminders ensure you will never forget to update your wealth on a regular basis. • No advertising. MULTI-CURRENCY: • Currency conversion into the currency of your choice. • Exchange rates updated daily. • 162 world currencies supported • Works worldwide. SYNCHRONIZED & SECURE: • Synchronization between devices via social networks. • Manage your data on multiple devices via Google or Facebook account. • Protect your data with Passcode, FaceID or TouchID. • No registration required. • No bank account linking. Visit us at: https://www.balanceviewer.com/ We'd love to get your feedback. To let us know about any problems, questions or suggestions, feel free to send us a message at support@balanceviewer.com. Terms and Conditions - https://www.balanceviewer.com/terms.html
Cypher Pay
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Cypher Pay gives Cypherwave business customers secure, on-the-go visibility into their accounts. Sign in with your existing Cypher Pay credentials to view your business activity anytime, anywhere. The app is a companion to the Cypher Pay web platform — accounts are opened and managed through the web portal, while the app keeps you informed wherever you are. VIEW YOUR ACCOUNTS See your business accounts at a glance, with balances and account details always up to date. TRACK EVERY TRANSACTION Browse your full transaction history with clear credit and debit entries, amounts, dates, references, and counterparty details. STAY ON TOP OF TOTALS Instant summaries of total credits and debits help you understand money in and money out without opening a spreadsheet. YOUR CLIENTS IN ONE PLACE View your client list and the transaction activity associated with each client. BUILT FOR SECURITY Access is available only to verified business customers. All accounts are opened and verified through the Cypher Pay web portal before app access is granted. Note: Cypher Pay is available to existing Cypherwave Technologies Limited business customers. New accounts cannot be created in the app.
Screenshots
Verdict
The clearest difference is in-app purchases: Cypher Pay at none against Net Worth by BalanceViewer's 3. Cypher Pay also leads on update cadence (every 4 days vs every 2 months). On price, ads, device support and iOS requirement 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. Net Worth by BalanceViewer sells 3 in-app purchases, starting at $2.99 per month. Cypher Pay asks for nothing beyond the download.
Net Worth by BalanceViewer ships an update every 2 months, Cypher Pay every 4 days. The most recent releases landed on October 26, 2026 and October 10, 2026 respectively.
| Parameter | Net Worth by BalanceViewer | Cypher Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (106 ratings) — better | — |
| Positive reviews | 72.5% of reviews | — |
| Number of ratings | 106 — better | — |
| Update frequency | Every 2 months | Every 4 days — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 15 |
| Further details — not scored | ||
| Size | 35 MB | 61 MB |
| Age rating | 4+ | 4+ |
| Developer | Artem Lanin | C4D TECHNOLOGY LIMITED |
Bugs and requests
Net Worth by BalanceViewer
Reported bugs
14 issues- Data lost after phone replacement
- Cloud backup has no data
- Copy-pasting balance changes to zero
- Chart not reflecting data after phone change
- Fast reconcile crashes
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- Data doesn't transfer to new phone
- UK equities priced incorrectly
- App assumes USD for GBP assets
- Currency conversion issues
- Cannot find American Dollar
- App shows pounds instead of millions
- Amounts rounded, no cents
- No results found when entering currency
- Chart buttons not visible on smaller screens
Requested features
13 requests- iOS 26 update
- Ability to organize by asset type
- Ability to re-order accounts
- Export data option
- One-time purchase option instead of subscription
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- Add cents functionality
- Improved UK equity pricing
- Display market value for equities
- More charting and analysis options
- iCloud integration for data transfers
- Dark mode
- Advanced analytics dashboard
- Option to take photos of expenses
Cypher Pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Net Worth by BalanceViewer
- Net Worth Tracker: Monthly$2.991 Month
- Net Worth Tracker: Yearly$19.991 Year
- Net Worth Tracker: Lifetime$49.99
Cypher Pay
No in-app purchases
Questions
Is Net Worth by BalanceViewer free?
Is Cypher Pay free?
Do Net Worth by BalanceViewer or Cypher Pay have ads?
Which is updated more often, Net Worth by BalanceViewer or Cypher Pay?
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