# Net Worth Tracker vs Cypher Pay

The clearest difference is in-app purchases: Cypher Pay at none against Net Worth Tracker's 5. Cypher Pay also leads on update cadence (every 4 days vs fortnightly). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Net Worth Tracker sells 4 in-app purchases, starting at $4.99 per month. Cypher Pay asks for nothing beyond the download.

Net Worth Tracker ships an update fortnightly, Cypher Pay every 4 days. The most recent releases landed on October 24, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Net Worth Tracker | Cypher Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (19 ratings)](https://appshunter.io/ios/app/net-worth-tracker-worth-it/id1515358890/reviews)** | — |
| Number of ratings | **19** | — |
| Positive reviews | 93.3% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 4 days** |
| Monetization | Free with in-app purchases | — |
| Size | 59 MB | 61 MB |
| Requires iOS | 15.0 | 15 |
| Devices | **iPhone, iPad, iPod, Mac** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Maxime Mazzone](https://appshunter.io/developer/1494953049) | [C4D TECHNOLOGY LIMITED](https://appshunter.io/developer/1747714719) |

## What reviewers say

### Net Worth Tracker

[App page](https://appshunter.io/ios/app/net-worth-tracker-worth-it/id1515358890)

This app helps you understand your financial picture by tracking your net worth and all your accounts in one place. Easily monitor savings, investments, property, and more with simple visualizations and data import options. Build financial confidence and peace of mind.

**Highlights:** Net worth and finance tracking, Track savings, investments, property, Manual account entry, Spreadsheet import (Excel, CSV, TXT), Home and lock screen widgets, Multi-currency support, Cross-device sync, Bank-level security

**Features:** Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium | $4.99 | per month |
| Yearly Premium | $24.99 | per year |
| Worth it Membership | $44.99 | per year |
| Worth it Membership | $59.99 | one-time |

**What reviewers like**

- 👍 Simple and intuitive interface
- 📈 Excellent net worth tracking
- ✨ Clean and user-friendly design
- 📊 Visualizes growth effectively
- ✅ Does exactly what it says

**What reviewers complain about**

- 💰 Creating new accounts is paid
- 💸 Crucial features locked behind paywall
- ⚠️ Some users experience errors/bugs
- 📉 Sorting by value descending is limited
- 💲 Ongoing cost of premium

**Reported bugs**

- Creating new accounts is paid now?
- Membership premium once paid not unlock benefits
- Hard to type the numbers because of the decimal formatting
- Keyboard is the only thing visible in the screen and the update pop up is somehow hidden by it
- Cannot enter the app, the sign in process for apple doesnt work, and ALL the data is lost

**Requested features**

- Family net worth tracking
- Pension projections
- Set goals and progress chart
- More sophisticated features
- More complex graphs showing stacked breakdowns


### Cypher Pay

[App page](https://appshunter.io/ios/app/cypher-pay/id6792663824)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Net Worth Tracker free?

Net Worth Tracker 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 Tracker or Cypher Pay have ads?

Neither Net Worth Tracker nor Cypher Pay shows ads.

### Which is updated more often, Net Worth Tracker or Cypher Pay?

Net Worth Tracker ships an update fortnightly, and Cypher Pay every 4 days. Most recently, Net Worth Tracker was updated on October 24, 2026 and Cypher Pay on October 10, 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.*