Comparison

Circles vs Split My Paycheck

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Circles

This expense tracker app automatically divides your income into six distinct categories to help you manage your money effectively. It follows the principles of the six-jar system to promote awareness of spending habits and long-term savings.

Highlights
  • Automatic income splitting into 6 categories
  • Expense tracking
  • Money management awareness
  • Long-term savings goal support
  • Six jar system implementation
Read full description

Money Circles is back and now is Circles - Track 'n Save! Circles is an expense tracker app that automatically splits your incomes in 6 categories (circles): Necessities, Hobbies, Investments, Educational, Shopping and Gifts. Based on the six jar system for money management, Circles will help you not only to manage your money in full awareness, but even to track your expenses and, last but not least, save money in the long run. Circles: Saving money, as easy as a blueberry pie!

About

Split My Paycheck

Easily divide your income into a working budget using pre-set templates or custom categories. Track expenses in seconds and visualize your financial plan. No accounts, ads, or bank syncing required.

Highlights
  • Budget templates
  • Dollar allocation
  • Expense tracking
  • In-app tutorials
  • Data stays on device
  • No accounts or ads
Read full description

Split My Paycheck is the simplest way to divide your income into a working budget. Pick a proven template, allocate every dollar across buckets, log expenses in seconds, and watch your plan come to life — all in one clean, straightforward app. No accounts. No ads. No bank syncing. Just the budget you've been meaning to build. BUDGET TEMPLATES Start with a proven framework instead of staring at a blank spreadsheet. Choose from 50/30/20, 70/20/10, 60/30/10, and other widely-used budget templates. Each template auto-populates buckets and percentages so you can have a working budget in under a minute. Customize from there as your finances evolve. EVERY DOLLAR HAS A JOB Allocate your income across buckets — Needs, Wants, Savings, and any custom categories you add. The donut at the top shows what's allocated and what's left. Watch your percentages adjust in real time as you fine-tune until every dollar of your paycheck has a purpose. EXPENSE TRACKING Log expenses in seconds against any bucket. The Expenses tab shows running totals against your allocations so you always know what's remaining versus what's spent. No bank syncing, no transaction approval queues — just fast, intentional logging that keeps you in control. LEARN AS YOU GO Built-in tutorials walk you through how to use the app, what each feature does, and how to think about budgeting categories. Whether this is your first budget or your fifth attempt, the in-app guides meet you where you are. THE TOOLKIT Split My Paycheck works great on its own — and even better alongside our full suite of finance tools. Jump into Payday Timer to count down to your next paycheck, BridgeBudget to manage your monthly finances, Rent Due Timer to stay ahead of rent, and Pay Next to stay on top of every bill. DESIGNED FOR REAL PEOPLE No ads. No accounts. No bank logins. No subscriptions. Your data stays on your device. Whether you're building your first budget, recovering from a financial setback, or fine-tuning a system that already works, Split My Paycheck gives you the clearest path from paycheck to plan. Download Split My Paycheck today and start dividing every dollar with intention.

Screenshots

Circles4 screens
Split My Paycheck4 screens

Verdict

The call

The clearest difference is update cadence: Split My Paycheck at every 6 days against Circles's every 5 months. Circles's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 17.0). On price, rating, ratings volume and ads 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Circles against 5.0 for Split My Paycheck. Both are backed by a comparable volume of ratings — 1 and 2 respectively.

UpkeepUpdate frequency

Circles ships an update every 5 months, Split My Paycheck every 6 days. The most recent releases landed on October 29, 2026 and October 31, 2026 respectively.

Scorecard3 real differences · 6 level
Circles versus Split My Paycheck: the parameters behind the verdict, then further details
ParameterCirclesSplit My Paycheck
PriceFreeFree
Rating5.0 (1 ratings)5.0 (2 ratings)
Number of ratings12 — better
Update frequencyEvery 5 monthsEvery 6 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod, Apple Watch — betteriPhone
Requires iOS13.0 — better17.0
Further details — not scored
Size19 MB7 MB
Age rating4+4+
DeveloperMario MatroneJonathan Burks

In-app purchases

None

Circles

No in-app purchases

None

Split My Paycheck

No in-app purchases

Questions

Is Circles free?
Circles is free to download, with no in-app purchases.
Is Split My Paycheck free?
Split My Paycheck is free to download, with no in-app purchases.
Which has better reviews, Circles or Split My Paycheck?
Circles and Split My Paycheck are both rated 5.0 out of 5 on the App Store, from 1 and 2 ratings respectively.
Do Circles or Split My Paycheck have ads?
Neither Circles nor Split My Paycheck shows ads.
Which is updated more often, Circles or Split My Paycheck?
Circles ships an update every 5 months, and Split My Paycheck every 6 days. Most recently, Circles was updated on October 29, 2026 and Split My Paycheck on October 31, 2026.

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