# SJP vs PayStream Umbrella

The clearest difference is iOS requirement: PayStream Umbrella at 15.1 against SJP's 17.0. On price, review sentiment, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 21, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | SJP | PayStream Umbrella |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | **17.4% of reviews** | 14.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 116 MB | 40 MB |
| Requires iOS | 17.0 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [St. James's Place](https://appshunter.io/developer/1603646084) | [PayStream Accounting Services Limited](https://appshunter.io/developer/541569321) |

## What reviewers say

### SJP

[App page](https://appshunter.io/ios/app/sjp/id1608216081)

Manage your investments with a secure and user-friendly mobile application. Track the performance of your pension, ISAs, and bonds, view current investment values, and access expert insights and personal documents.

**Highlights:** Biometric sign-in, Real-time investment values, Performance tracking (pension, ISAs, bonds), Fund breakdown details, Expert insights, Personal document library

**Features:** Vision Pro support

**In-app purchases:** none


### PayStream Umbrella

[App page](https://appshunter.io/ios/app/paystream-umbrella/id6443721768)

Manage your contracting employment with real-time payment updates, payslip downloads, and personal detail management. Submit timesheets, track holiday pay, and access important documents like contracts and P60s. Get support via in-app chat and refer colleagues for bonuses.

**Highlights:** Real-time payment updates, Downloadable payslips, Update personal details, In-app messenger support, Timesheet submission, Holiday pay claims, View employment documents

**In-app purchases:** none


## Frequently asked questions

### Is SJP free?

SJP is free to download, with no in-app purchases.

### Is PayStream Umbrella free?

PayStream Umbrella is free to download, with no in-app purchases.

### Do SJP or PayStream Umbrella have ads?

Neither SJP nor PayStream Umbrella shows ads.

### Which is updated more often, SJP or PayStream Umbrella?

SJP ships an update every 2 months, and PayStream Umbrella every 2 months. Most recently, SJP was updated on October 21, 2026 and PayStream Umbrella on October 13, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*