Money tracker vs PayGuards
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Personal and group expense tracking
- Real-time collaboration
- Instant transaction adding
- Spending insights with charts
- Invite people for free
- Financial independence tools
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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
PayGuards
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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
Verdict
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
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.
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.
| Parameter | Money tracker | PayGuards |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (35 ratings) — better | — |
| Positive reviews | 53.3% of reviews | — |
| Number of ratings | 35 — better | — |
| Update frequency | Every 2 months — better | Every 4 months |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 17.0 | 17.0 |
| Further details — not scored | ||
| Size | 55 MB | 5 MB |
| Age rating | 4+ | 4+ |
| Developer | SER_INT | Ali Orkun Ozkul |
In-app purchases
Money tracker
- GroupPay Monthly Premium3 Days trial$1.991 Month
- GroupPay Yearly Discount6 Months trial$9.991 Year
- GroupPay Yearly Plan$9.991 Year
- Premium Discount$9.99
- Premium Pay$14.99
PayGuards
- PayGuard Lifetime Pro$4.99









