# PHY Saving vs NPH Saving

PHY Saving and NPH Saving are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

PHY Saving ships an update every 3 months, NPH Saving every 4 months. The most recent releases landed on September 8, 2026 and June 8, 2026 respectively.

## The numbers

| Metric | PHY Saving | NPH Saving |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Every 3 months** | Every 4 months |
| Size | 51 MB | 49 MB |
| Requires iOS | 12.4 | 12.4 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PHAYAO TEACHER SAVING COOPERATIVE LIMITED](https://appshunter.io/developer/1476505871) | [NAN PUBLIC HEALTH SAVING AND CREDIT COOPERATIVE LIMITED](https://appshunter.io/developer/1576651538) |

## What reviewers say

### PHY Saving

[App page](https://appshunter.io/ios/app/phy-saving/id1476505872)

**In-app purchases:** none


### NPH Saving

[App page](https://appshunter.io/ios/app/nph-saving/id1576651536)

**In-app purchases:** none


## Frequently asked questions

### Is PHY Saving free?

PHY Saving is free to download, with no in-app purchases.

### Is NPH Saving free?

NPH Saving is free to download, with no in-app purchases.

### Do PHY Saving or NPH Saving have ads?

Both PHY Saving and NPH Saving show ads.

### Which is updated more often, PHY Saving or NPH Saving?

PHY Saving ships an update every 3 months, and NPH Saving every 4 months. Most recently, PHY Saving was updated on September 8, 2026 and NPH Saving on June 8, 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.*