# Optimal Capital vs PNC EarnedIt

The clearest difference is update cadence: PNC EarnedIt at every 3 weeks against Optimal Capital's every 6 months. On price, ads, in-app purchases and device support there is nothing between them.

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

Optimal Capital ships an update every 6 months, PNC EarnedIt every 3 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Optimal Capital | PNC EarnedIt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (6.4K ratings)](https://appshunter.io/ios/app/pnc-earnedit/id1593470184/reviews)** |
| Number of ratings | — | **6.4K** |
| Positive reviews | — | 27.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 3 weeks** |
| Monetization | — | Free with in-app purchases |
| Size | 62 MB | 113 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Optimal Capital Advisors, LLC](https://appshunter.io/developer/1527109908) | [Daily Pay Inc.](https://appshunter.io/developer/1399085076) |

## What reviewers say

### Optimal Capital

[App page](https://appshunter.io/ios/app/optimal-capital/id1527109906)

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

**In-app purchases:** none


### PNC EarnedIt

[App page](https://appshunter.io/ios/app/pnc-earnedit/id1593470184)

Access a portion of your earned wages before payday. This app allows you to transfer funds to your bank account or card, with options for instant or next-day delivery. You'll still receive your remaining pay on your scheduled payday.

**Highlights:** Access earned wages before payday, Transfer funds to bank account or card, Instant or next-day fund delivery, View available balance, Receive balance change notifications, Secure encryption

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

**In-app purchases:** none

**What reviewers like**

- 🙏 Helpful when needed
- 💰 Allows early access to earnings
- 👍 Convenient for managing finances

**What reviewers complain about**

- 🐛 App often glitches or freezes
- ⏱️ Delayed updates and transfers
- 💸 Charges fees for accessing own money
- 🤔 Unclear policies and communication

**Reported bugs**

- Login issues and inability to access account
- Incorrect or missing transaction history
- Unexpected deductions from paychecks

**Requested features**

- Improve reliability and consistency of daily pay feature
- Provide more transparency around fees and policies
- Enhance customer support responsiveness


## Frequently asked questions

### Is Optimal Capital free?

Optimal Capital is free to download, with no in-app purchases.

### Is PNC EarnedIt free?

PNC EarnedIt is free to download, with no in-app purchases.

### Do Optimal Capital or PNC EarnedIt have ads?

Neither Optimal Capital nor PNC EarnedIt shows ads.

### Which is updated more often, Optimal Capital or PNC EarnedIt?

Optimal Capital ships an update every 6 months, and PNC EarnedIt every 3 weeks. Most recently, Optimal Capital was updated on October 29, 2026 and PNC EarnedIt on October 30, 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.*