Rain Fintech vs NetPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Rain Fintech
This app offers collateral-free, instant micro-loan services to help with daily financial needs. It calculates your credit score automatically using your national identification number and provides loan amounts from 50,000 to 800,000 MNT with flexible repayment terms.
- Collateral-free loans
- Instant micro-loan service
- Automatic credit score calculation
- Loan amounts up to 800,000 MNT
- Flexible repayment terms
- 1% loan fee
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Rain нь GTC санхүүгийн үйлчилгээ үзүүлдэг байгууллагын барьцаагүй зээлийн бүтээгдэхүүн юм. GTC нь 6655009 гэсэн бүртгэлийн дугаартай Монгол улсын хууль тогтоомжийн дагуу үйл ажиллагаа явуулах бүрэн эрхтэй билээ. Rain нь: Барьцаагүй, бичил зээлийн үйлчилгээ үзүүлж таны санхүүгийн өдөр тутмын асуудалд туслах зорилготой. Зээлийн хэмжээ: 50’000 MNT — 800’000 MNT Шимтгэл: Шимтгэл 1 хувь, та зээлээ төлөх үедээ төлөгдөх нөхцөлтэй. Хүү: Хүү таны зээлийн чадамжийн үнэлгээнээс хамааран 1-ээс 5 хувь байх болно. Гэхдээ бид хэрэглэгчиддээ шударга, хэрэгтэй үйлчилгээ үзүүлэх үүднээс хүүг тухайн зээлийн хугацааны турш ашигласан хоногоор тооцох болно. Зээлийн хугацаа: Манай зээлийн бүтээгдэхүүний хугацаа нь 14, 21, 28, 60 хоног гэсэн сонголттой. Credit Score: Credit score буюу таны зээлийн чадамжийг манай автомат систем тооцоолол хийнэ. Ингэхдээ бидэнд хэрэглэгчийн зөвхөн регистерийн дугаар л хэрэгтэй. Хэрхэн ашиглах: Rain app-аа татаад, бүртгэл болох утасны дугаар мөн регистерийн дугаараа оруулна. Хэрэв бид танд зээлийн үйлчилгээ үзүүлэх боломжтой гэж үзвэл танд бид мэдэгдэн, манай харилцагчийн төв дээр нэг удаа ирж гэрээ хийснээр та өөрийн зээлийн эрхийн хүрээнд хүссэн үедээ зээлээ аваад ашиглах юм. Танд амжилт хүсье, Rain Team. Contact us: E-mail: customer@gtc.mn Facebook: @rainfintechmn English: Rain is a loan-service product of GTC NBFI. Gtc NBFI is registered in Mongolia, registration no 6655009. The company follows all the regulation and the laws of Mongolia. The product Rain: This is a collateral-free, instant loan service app. Loan amount: Depends on the client profile, credit score. But the limit is between 50’000MNT to 800’000 MNT. Loan length: Loan length depends on the loan amount but starts from 60 days Loan Fee: Loan fee is 1%. Loan Interest Rate: Monthly interest rate is 2% to 3% which makes APR 24% to 36%. Credit Score: To compute the credit score, a user has to put phone no and national identification no on the. We will confirm the phone no with one time password. After that our automate computation system will compute the score. Thank you and goodluck, Rain Team. Contact us: E-mail: customer@gtc.mn Facebook: @rainfintechmn
NetPay
Easily estimate your take-home pay with detailed breakdowns of taxes and deductions. This app simplifies paycheck calculations for hourly or salaried income, offering clear visual charts and offline functionality. Plan your finances with confidence by comparing different pay scenarios.
- Estimate take-home pay
- Calculate hourly/salary income
- Federal and state tax estimates
- Clear breakdown of pay
- Visual charts for understanding
- Compare pay scenarios
- Offline functionality
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Know what you’ll actually take home. NetPay is a paycheck calculator and pay-planning app that helps you estimate your take-home pay, understand where your money goes, and explore how changes to your income could affect your paycheck. Whether you’re paid hourly or salary, working overtime, considering a raise, comparing job offers, or just wondering what your next paycheck might look like, NetPay makes the numbers easier to understand. PAYCHECK CALCULATOR • Estimate take-home pay for hourly and salary income • Weekly, bi-weekly, semi-monthly, and monthly pay schedules • Federal and supported state tax estimates • Filing status and dependent support • Overtime calculations • Bonuses, commissions, tips, shift differentials, holiday pay, PTO payouts, and other earnings • 401(k), Roth 401(k), HSA, health insurance, and other deduction options • W-4 withholding options SEE WHERE YOUR PAYCHECK GOES Get a clear breakdown of: • Gross pay • Federal withholding • State withholding • Social Security and Medicare • Deductions • Estimated take-home pay Easy-to-read visuals help you understand how much you’re earning, what’s being withheld, and what you actually keep. PLAN YOUR PAY NetPay goes beyond a basic salary calculator. Explore questions like: • What would my paycheck look like with overtime? • How much more would I take home after a raise? • How do two job offers compare after taxes? • What salary could help me reach a take-home pay goal? • How would changing my 401(k) affect my paycheck? • What could my pay look like over a full year? Use What If scenarios, annual projections, paycheck comparisons, the Raise Calculator, Job Offer Comparison, and Take-Home Goal tools to explore different possibilities. SAVE YOUR PAY SETUP Stop entering the same information every time. Save Pay Profiles for your regular paycheck setup, then quickly adjust the things that change—like hours, overtime, bonuses, or other earnings. NETPAY PRO — ONE-TIME PURCHASE Unlock NetPay’s advanced planning tools with one purchase. No subscription. Pro features include: • Unlimited Pay Profiles • Paycheck History • Side-by-side paycheck comparisons • What If scenarios • Raise Calculator • Job Offer Comparison • Take-Home Goal • Annual projections • Advanced paycheck options • PDF and CSV exports Pay once. Keep Pro. PRIVACY-FOCUSED Your salary, wages, tax amounts, deductions, paycheck amounts, and other financial values are not sent to NetPay analytics. Paycheck calculations and saved financial information remain on your device. IMPORTANT NetPay provides estimates for informational and planning purposes only. Results are not tax, financial, accounting, or legal advice. Actual withholding and take-home pay may vary based on employer payroll practices, tax elections, benefits, local taxes, and applicable tax rules.
Screenshots
Verdict
The clearest difference is rating: Rain Fintech at 5.0 against NetPay's 3.0. Rain Fintech also leads on in-app purchases (none vs 1) and update cadence (every 3 weeks vs every 5 weeks). On price, ratings volume, ads 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. NetPay sells 1 one-off in-app purchase. Rain Fintech asks for nothing beyond the download.
Rain Fintech holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 2 and 2 respectively.
Rain Fintech ships an update every 3 weeks, NetPay every 5 weeks. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.
| Parameter | Rain Fintech | NetPay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | 2 | 2 |
| Update frequency | Every 3 weeks — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.6 — better | 16.4 |
| Further details — not scored | ||
| Size | 32 MB | 53 MB |
| Age rating | 4+ | 4+ |
| Developer | GOOD T C LLC | QuailSofts LLC |
Customer experience
Rain Fintech
NetPay
In-app purchases
Rain Fintech
No in-app purchases
NetPay
- NetPay Pro$4.99









