Comparison

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.

Head to head
About

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.

Highlights
  • Monthly balance updates
  • Supports 162 currencies
  • Tracks stocks, ETFs, Mutual Funds
  • Tracks 8000+ cryptocurrencies
  • Anonymous tracking
  • Income and expense calculation
  • Cross-device synchronization
Features
Read full description

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

About

Cypher Pay

Features
Read full description

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

Net Worth by BalanceViewer4 screens
Cypher Pay4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

UpkeepUpdate frequency

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.

Scorecard2 real differences · 8 level
Net Worth by BalanceViewer versus Cypher Pay: the parameters behind the verdict, then further details
ParameterNet Worth by BalanceViewerCypher Pay
PriceFreeFree
Rating4.4 (106 ratings) — better—
Positive reviews72.5% of reviews—
Number of ratings106 — better—
Update frequencyEvery 2 monthsEvery 4 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015
Further details — not scored
Size35 MB61 MB
Age rating4+4+
DeveloperArtem LaninC4D 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
Show 9 more
  • 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
Show 8 more
  • 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

3 purchases

Net Worth by BalanceViewer

Subscriptions2
  • Net Worth Tracker: Monthly$2.991 Month
  • Net Worth Tracker: Yearly$19.991 Year
One-time1
  • Net Worth Tracker: Lifetime$49.99
None

Cypher Pay

No in-app purchases

Questions

Is Net Worth by BalanceViewer free?
Net Worth by BalanceViewer is free to download, with in-app purchases available.
Is Cypher Pay free?
Cypher Pay is free to download, with no in-app purchases.
Do Net Worth by BalanceViewer or Cypher Pay have ads?
Neither Net Worth by BalanceViewer nor Cypher Pay shows ads.
Which is updated more often, Net Worth by BalanceViewer or Cypher Pay?
Net Worth by BalanceViewer ships an update every 2 months, and Cypher Pay every 4 days. Most recently, Net Worth by BalanceViewer was updated on October 26, 2026 and Cypher Pay on October 10, 2026.

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