Chip vs Temp Button
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Chip
This app helps you pay off student loans faster by automatically saving spare change from your purchases. It rounds up transactions to the nearest dollar and uses the accumulated amount to make direct payments towards your debt, reducing interest and loan term.
- Automated spare change round-ups
- Direct loan payments
- Interest payment reduction
- Reduced loan term length
- Connects to 10,000+ financial institutions
- IFDC secured banking account
Read full descriptionHide full description
The Round Up App That Utilizes Spare Change to Pay Off Your Debt! Chip® is an automated platform that creates an effortless method to help you pay off your student loans. Our platform cuts interest payments, reduces term length, and saves our users thousands of dollars! Over 44 million Americans are burdened by $1.6 trillion in student loans in the United States. This causes borrowers to pay back these loans over 10 – 20 years and pay huge amounts in interest! In fact, the average American pays over $280,000 in interest payments over their lifetime. Chip® is the debt payment solution to eliminate your student loans! Our platform connects with over 10,000 different financial institutions, connects with your credit card, and is able to make payments directly to your loans. Each time you make a purchase (coffee, groceries, gas, etc.), Chip® rounds up the purchase to the nearest dollar in our app. A Cup of Coffee: $2.50 = $0.50 Chipping Away At Your Loan After you have rounded up $5 or more in spare change, Chip® debits the exact amount from your connected bank account. Chip® does not add to your credit limit, nor do we tack on the spare change to your credit card. Chip® holds your spare change in an IFDC secured banking account until you have accumulated over $25 in spare change. Our platform then makes a payment directly to your loan. Automated, effortless, stress free! Chip® charges a fee of $1.99 per month for unlimited spare change round-ups and unlimited direct loan payments based on your spending habits. If you are looking to accelerate your journey to financial freedom, start chipping away at your loans now! Round Up. Chip Away. Eliminate Debt.
Temp Button
This app simplifies payroll, invoicing, and timesheet management for businesses. It offers easy employee onboarding, automated invoicing, and direct deposit for seamless financial operations.
- Employee self-onboarding
- Mobile timesheet submission
- One-click timesheet approval
- 50-state payroll integration
- Automated invoicing
- Direct deposit payments
- Automated pay stubs
Read full descriptionHide full description
Temp button transforms complicated tech stacks for timesheets, invoices, and payroll into one simple elegant button. Preview it today. * Easy onboarding of employees - Quick onboarding: Employees on-board themselves by adding details such as federal and state tax forms (ie., i9 w4) and banking info. - Employee Driven: This allows employees to conveniently edit and update their banking information, especially when they move. - Update from anywhere: Regardless of where employees work (office or remote location), work locations updated via timesheets and tax deductions (withholdings) are automatically updated. * Timesheets your employees will actually love - Easy to submit: Using timesheets, employees can record their work hours, attach their reimbursement details, and add notes. - One-click Approval: Supervisors only have to approve timesheets with 1-Click for quick approval. - Shift Work: Complete startime and end time, rest we will take care! Yes, Temp Button does shift work. - Yes, It's On Mobile: Timesheets are mobile enabled for everyone. Just download the app and start using it! * Easy payroll process and compliance system - 50 State Payroll: Our payroll system integrates with 50 state payroll systems without any extra charge, unlike our competitors! - Direct Deposit: Once the supervisor has approved the timesheets, the payment can be made with one click. Employees receive a direct deposit the next day. - Automated Pay Stubs: Advance payroll system provides pay stubs right in the app with the timesheets which makes your work easy! * Send individual invoices or 50 invoices at once, all automated with robust invoicing capabilities - Everything Automated: All your timesheets, expenses, and bills are automatically collected and attached to your invoice email. - Flexibility on Invoice: Whether a client wants a single invoice for multiple employees or an invoice email for each employee or even a single PDF with multiple invoices, we've got you covered.
Screenshots
Verdict
The clearest difference is rating: Temp Button at 5.0 against Chip's 3.8. Temp Button also leads on monetization model (free vs freemium) and update cadence (every 11 days vs monthly). Chip's advantage is ratings volume (13 vs 1). On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Temp Button holds the better App Store score, 5.0 against 3.8. That said, the two scores are not equally well evidenced: Chip has 13 ratings behind it against 1, so its average is the more settled of the two.
Chip ships an update monthly, Temp Button every 11 days. The most recent releases landed on October 8, 2026 and October 19, 2026 respectively.
| Parameter | Chip | Temp Button |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (13 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 13 — better | 1 |
| Update frequency | Monthly | Every 11 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Freemium | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 11.0 — better |
| Further details — not scored | ||
| Size | 47 MB | 56 MB |
| Age rating | 4+ | 4+ |
| Developer | Chip, LLC | Avenue A Staffing, Inc. |
Customer experience
Chip
Temp Button
In-app purchases
Chip
No in-app purchases
Temp Button
No in-app purchases









