Comparison

Money tracker vs PayGuards

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

Head to head
About

Money tracker

Easily track personal and shared expenses with friends and family. This app allows real-time collaboration on transactions, providing insights through charts and detailed spending analysis to help you manage your finances effectively.

Highlights
  • Personal and group expense tracking
  • Real-time collaboration
  • Instant transaction adding
  • Spending insights with charts
  • Invite people for free
  • Financial independence tools
Features
Read full description

Manage your money and become financially independent. GroupPay is a new money tracking app which helps you track your expenses with friends and family members to share expenses with each other. • Invite people for FREE In GroupPay you can invite anyone to your group and share transactions with one another The sky is the limit • Track your Personal and group expenses with rich tracking features right at your fingertips; managing and becoming financially free has never been easier • Collaborate realtime with the group Yes, you can instantly see what transactions group members are adding and collaborate with each other real time • Add transactions instantly Adding transaction has never been easier, it takes just a few seconds to add a transaction • See where you spent It's crucial to manage and see where you spent your money, no matter the category, you’re in control • Manage your transactions like a pro If you like charts you won't be disappointed, we've implemented different charts for pro users to have insights on their own expenses as well as the groups. # Download GroupPay now and take the first spend toward financial independence - Terms of use: https://grouppay.app/terms-of-service.html - Privacy policy: https://grouppay.app/privacy.html

About

PayGuards

Features
Read full description

PayGuard helps you stay in control of subscriptions, warranties, receipts, invoices and important renewal dates. Track recurring payments, manage product warranties, attach receipts or documents, scan files, and get reminded before something important expires or renews. PayGuard is designed for people who want a clean, private and premium way to organize financial commitments and proof of purchase. With PayGuard, you can: • Track active subscriptions and renewal dates • Manage warranties, return windows and purchase details • Attach receipts, invoices, photos and scanned documents • Keep important proof of purchase in one place • Add subscriptions and warranty items manually or with smart import • Search and filter your records quickly • Get local reminders before renewals or warranty deadlines • Use widgets to see important items at a glance • Unlock Pro for unlimited tracking PayGuard is built for simple everyday protection: know what renews, what expires, what is covered and where your documents are. Your data stays organized on your device, and no account is required.

Screenshots

Money tracker4 screens
PayGuards4 screens

Verdict

The call

The clearest difference is update cadence: Money tracker at every 2 months against PayGuards's every 4 months. 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Money tracker sells 5 in-app purchases, starting at $1.99 per month and PayGuards sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Money tracker ships an update every 2 months, PayGuards every 4 months. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard1 real difference · 9 level
Money tracker versus PayGuards: the parameters behind the verdict, then further details
ParameterMoney trackerPayGuards
PriceFreeFree
Rating4.3 (35 ratings) — better—
Positive reviews53.3% of reviews—
Number of ratings35 — better—
Update frequencyEvery 2 months — betterEvery 4 months
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone, iPad — better
Requires iOS17.017.0
Further details — not scored
Size55 MB5 MB
Age rating4+4+
DeveloperSER_INTAli Orkun Ozkul

In-app purchases

5 purchases

Money tracker

Subscriptions3
  • GroupPay Monthly Premium3 Days trial$1.991 Month
  • GroupPay Yearly Discount6 Months trial$9.991 Year
  • GroupPay Yearly Plan$9.991 Year
One-time2
  • Premium Discount$9.99
  • Premium Pay$14.99
1 purchases

PayGuards

One-time1
  • PayGuard Lifetime Pro$4.99

Questions

Is Money tracker free?
Money tracker is free to download, with in-app purchases available.
Is PayGuards free?
PayGuards is free to download, with in-app purchases available.
Do Money tracker or PayGuards have ads?
Neither Money tracker nor PayGuards shows ads.
Which is updated more often, Money tracker or PayGuards?
Money tracker ships an update every 2 months, and PayGuards every 4 months. Most recently, Money tracker was updated on November 3, 2026 and PayGuards on October 31, 2026.

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