Comparison

Save Money Challenge vs Payday Flo

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

Head to head
About

Save Money Challenge

This app helps you achieve savings goals through a fun envelope challenge. You can either follow a pre-set 100-envelope challenge to save $5,050 or create your own custom savings plan with a set amount and number of envelopes.

Highlights
  • Envelope savings challenge tracker
  • Customizable savings goals
  • Daily money saving
  • Track progress towards goals
  • Surprise savings amounts
Features
Read full description

Meet envelope savings tracker! 

Achieve your goals with the Envelope Challenge. Would you like to have extra $5,050? We dare you to take the Envelopes Challenge! 

Rules:

 1. You have 100 envelopes with surprise number from $1 to $100.

 2. Open one envelope per day and save this money. 

3. After the 100th envelope you’ll achieve $5050! 

Is this surprise challenge not for you? Create a goal you want to achieve. Set up the savings sum and the amount of envelopes, that suites you.


 Add surprise challenge to your savings routine! 

EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Payday Flo

Features
Read full description

Payday Flo is built for people who get paid every two weeks and budget one paycheck at a time — not people with a steady monthly salary and a spreadsheet. Tell it what you earn and what you owe. Every payday, Flo shows you exactly which bills this check has to cover, what's already handled, and what's genuinely free to spend. PLAN EVERY PAYCHECK • See what each check must cover before the next one lands • Bills bucket sizes itself automatically from your real bills • Add a buffer for variable bills like utilities • Split the rest across spending, savings and debt KNOW WHAT'S COVERED • A running reserve that carries leftover money forward • Cash you already have counts toward your bills • Forecast the next several paydays and spot a shortfall early • Clear warning when bills outrun your income BILLS THAT KEEP THEMSELVES STRAIGHT • Weekly, monthly and yearly recurring bills roll forward on their own • Mark bills as auto-pay and confirm when they post • Choose which account or credit card each bill is paid from • Reminders before anything is due DEBT AND CREDIT • Avalanche or snowball payoff plans with a debt-free date • See how much interest an extra payment saves • Set a credit limit and get warned before a charge goes over it • Advance heads-up to make a payment before you hit the limit SAVINGS AND SPENDING • Savings goals with a realistic finish date • Buckets by percentage of pay, or a fixed dollar amount per month • Track spending against what this pay period actually allows • Accounts and net worth in one place PRIVATE BY DEFAULT • Your budget lives on your device • Optional Face ID lock • Syncs across your devices through your own iCloud account • No ads, and we never sell your data SUBSCRIPTION Payday Flo Core and Payday Flo Plus are available monthly or annually. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Privacy Policy: https://neonpathlabs.com/privacy Terms: https://neonpathlabs.com/paydayflo/terms

Screenshots

Save Money Challenge4 screens
Payday Flo4 screens

Verdict

The call

The clearest difference is iOS requirement: Payday Flo at 16.4 against Save Money Challenge's 18.6. 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. Save Money Challenge sells 9 in-app purchases, starting at $1.99 per month and Payday Flo sells 4 in-app purchases, starting at $5.99 per month. Whichever you choose, the download price is not the number that matters.

Scorecard1 real difference · 9 level
Save Money Challenge versus Payday Flo: the parameters behind the verdict, then further details
ParameterSave Money ChallengePayday Flo
PriceFreeFree
Rating4.7 (446 ratings) — better—
Positive reviews52.9% of reviews—
Number of ratings446 — better—
Update frequencyEvery 3 weeks—
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone
Requires iOS18.616.4 — better
Further details — not scored
Size49 MB47 MB
Age rating4+4+
DeveloperMihail KuznecovsNeon Path Labs

Bugs and requests

Save Money Challenge

Reported bugs

6 issues
  • App glitches quite a bit
  • Hold down the amount to get it to register is dumb (new update issue)
  • Cannot create own challenge, it doesn't save
  • App is buggy, cannot press back arrow on most screens
  • Total saved amount keeps changing and is inaccurate
Show 1 more
  • Cannot access settings, they won't open

Requested features

14 requests
  • Allow skipping and filling other envelopes before completing smaller amounts
  • Allow setting multiple active challenges
  • Ability to edit challenges without deleting
  • Ability to pick a random envelope to use
  • Ability to create own challenges that save
Show 9 more
  • Option to skip an envelope or unclick it to move on
  • Option to 'catch up' on opening envelopes if behind
  • Option to pay out on payday
  • Include an optional random number generator
  • Create $5s and $10s challenges
  • Make challenges scratches, revealing saved amount and waiting until tomorrow to scratch again
  • Bring back the old design/font
  • Allow users to change currency (e.g., to £)
  • Allow users to access settings to change challenge amounts

Payday Flo

Not enough reviews yet to summarise bugs or requests.

In-app purchases

9 purchases

Save Money Challenge

Subscriptions7
  • Monthly subscription3 Days trial$1.991 Month
  • Weekly subscription3 Days trial$2.997 Days
  • Monthly subscription2 variants$4.991 Month
Show 4 more
  • Yearly subscription7 Days trial$5.991 Year
  • Yearly subscription3 Days trial$11.991 Year
  • Yearly subscription7 Days trial$11.991 Year
  • Yearly subscription$11.991 Year
One-time2
  • Lifetime purchase$9.99
  • Lifetime purchase$19.99
4 purchases

Payday Flo

Subscriptions4
  • Flo Core Monthly1 Month trial$5.991 Month
  • Flo Plus Monthly1 Month trial$11.991 Month
  • Flo Core Annual1 Month trial$39.991 Year
Show 1 more
  • Flo Plus Annual1 Month trial$89.991 Year

Questions

Is Save Money Challenge free?
Save Money Challenge is free to download, with in-app purchases available.
Is Payday Flo free?
Payday Flo is free to download, with in-app purchases available.
Do Save Money Challenge or Payday Flo have ads?
Neither Save Money Challenge nor Payday Flo shows ads.

Other comparisons