Percapita vs WealthPaver
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Percapita
Manage your finances with an all-in-one app for spending, saving, budgeting, and building financial wellness. Enjoy features like early wage access, automatic savings, credit building through rent payments, and cash back rewards. Securely manage your money with FDIC insurance and robust data encryption.
- Smarter spending and saving tools
- Automatic savings with Penny Jar
- Build credit with rent payments
- Earn cash back rewards
- Early wage access
- International money transfers
- Needs-based and goal-based budgeting
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Smarter spending. Easy saving. Real rewards. Take control of your money with Percapita—the all-in-one app for spending, saving, budgeting, and building financial wellness. - No hidden fees. No hoops. No minimum balance. No monthly fees. No overdraft penalties. Just real tools for real people. - Your money is safe and secure Eligible for up to $250,000 in FDIC insurance through Sutton Bank, Member FDIC [2] Percapita Visa® Debit Card you can use everywhere Visa is accepted* Full data encryption and multi-factor authentication (2FA) - Get paid when you need it [3] Access up to $1,000 of your earned wages before payday No credit checks, no hassle - Save automatically with Penny Jar [4] Every debit card purchase rounds up to the nearest dollar Build savings without even thinking about it - Build your credit with rent payments Get rewarded for the rent you already pay [5] Powered by Rock the Score - Earn cash back rewards Spend $300/month, get $25 cash back—up to $300/year [1] - Send money internationally Fast, affordable transfers to 75+ countries [6] - Budget smarter. Plan ahead. Stress less. Create needs-based and goal-based budgeting accounts Set budgets that fit your life, not someone else’s - Real human support. US-based, bilingual customer service A convenient in-app chat Why Percapita? Because your money should work for you—not against you. Download Percapita today and start spending smarter, saving easier, and building the financial freedom you deserve. Start for free. Stay for free. Your money. Your way. Disclosures Percapita is not a bank. We are a digital company that provides access to financial services. The Percapita Cash Account is provided by Sutton Bank, Member FDIC. The Percapita Visa® Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted. [1] Restrictions apply. See full promotional details at http://percapita.com/earn300 [2] The Percapita Cash Account is provided by Sutton Bank, Member FDIC. The funds in your deposit accounts are eligible for FDIC insurance up to $250,000 on a pass-through basis. The availability of FDIC insurance is contingent upon Percapita maintaining accurate records and deter- minations of the FDIC as receiver at the time of a receivership if Sutton Bank should fail. Such coverage is subject to aggregation of all of your deposits held at Sutton Bank. For further information about deposit insurance generally, you may write to the FDIC at 550 17th Street, N.W., Washington D.C. 20429, telephone the FDIC’s toll-free hotline at 877-275-3342, or visit its website at FDIC: Federal Deposit Insurance Corporation | http://www.fdic.gov. [3] Early wage access powered by Immediate Solutions, Inc.; terms and limits apply. [4] Penny Jar is an optional program provided by Percapita, not Sutton Bank. [5] Rent reporting and credit building powered by Rock the Score, LLC; eligibility applies. [6] International transfer services provided through Brightwell Payments Inc., and Bancorp. Brightwell Payments Inc. is a technology provider and not a bank or other regulated financial insti-tution. All regulated international transfer services associated with ReadyRemit® are provided by The Bancorp Bank N.A. Terms and conditions apply. Verification times vary and may delay the delivery of funds to the receiver. Restrictions may apply. See transfer terms and conditions for details.
WealthPaver
This platform offers a smarter approach to wealth management, aiming to grow investments and reduce liabilities. It leverages financial expertise to provide clients with greater returns.
- Democratized wealth management
- Investment growth focus
- Liability reduction
- Financial expertise
- Greater client returns
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A trusted investment platform that offers a smarter way to democratize wealth management for all. We are focused on growing your investment and reducing liabilities. Our expertise in the financial domain provides greater returns to our clients.
Screenshots
Verdict
The clearest difference is ads: Percapita at none against WealthPaver's shown. Percapita also leads on ratings volume (41 vs 4) and monetization model (free vs ad-supported). WealthPaver's advantage is rating (5.0 vs 4.7) and review sentiment (100% vs 86%). On price, update cadence, 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. Neither carries in-app purchases, so what you see is what you pay.
WealthPaver holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Percapita has 41 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 86% of Percapita's written reviews are positive against 100% of WealthPaver's.
Percapita ships an update every 3 weeks, WealthPaver fortnightly. The most recent releases landed on October 23, 2026 and October 8, 2026 respectively.
| Parameter | Percapita | WealthPaver |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (41 ratings) | 5.0 (4 ratings) — better |
| Positive reviews | 85.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 41 — better | 4 |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 13 — better |
| Further details — not scored | ||
| Size | 138 MB | 73 MB |
| Age rating | 17+ | 4+ |
| Developer | Percapita Group, Inc. | WEFEA, Inc |
Customer experience
Percapita
WealthPaver
In-app purchases
Percapita
No in-app purchases
WealthPaver
No in-app purchases









