Paysmart vs Muetual
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Paysmart
Manage and pay your bills digitally with real-time bill viewing and secure online payments. Track your payment history and visualize your spending with a dedicated dashboard. Get support 24/7 for any questions or claims.
- Real-time bill consultation
- Automatic favorite bill updates
- Secure digital bill payment
- Payment history tracking
- Spending visualization dashboard
- 24/7 support and claims service
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Paysmart est une solution de paiement digital des factures. Elle vous offre les services suivants : - La consultation en temps réel de vos factures en ligne, ou encore de manière automatique pour la liste des favoris. - Le paiement digital qui vous permet d’accéder et de payer vos factures par carte bancaire ou par wallet de manière sécurisée, instantanée et sans frais. Prochainement d’autres services seront disponibles ainsi que d’autres facturiers. - Un historique vous permet de garder trace de vos consultations et paiements effectués en ligne. - Un tableau de bord vous aide à visualiser vos dépenses effectuées ou en attente. - Un service de réclamation est disponible 24/7 via l’espace support. Vous pouvez y poser vos questions ou déposer vos réclamations.
Muetual
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A shared home budget that plans ahead. Muetual is an expense tracker for the money you share. Set the bills that repeat, see what's due and what the month still costs, and keep one budget for the home, on your own or with your partner or flatmates. One sheet, the same numbers for everyone, and no IOUs. RECURRING BILLS, SET ONCE Rent, internet, subscriptions: add a bill once with its own schedule. On the due date Muetual puts it in front of you to confirm, snooze or skip. Nothing books itself, so your budget only counts money that actually moved. SEE WHAT'S COMING The Upcoming view shows what's due now and forecasts the next run of each recurring bill, so you know what the month still costs before it's spent. With Premium, plan one-off purchases too: the deposit, the new sofa or the concert tickets wait there until the day comes. ONE BUDGET FOR THE HOME Weekly, monthly or running. A ring that fills as you spend, alerts at 80% and 100%, a trend chart of your recent weeks and a weekly summary by email. YOUR PARTNER LOGS TOO, WITH STANDARD Invite anyone by email. The owner runs the sheet and viewers see every number. On Standard, make your partner an Editor and they log and fix expenses themselves. Everything stays in sync on your phone and on the web. LOG IT IN SECONDS Amount, category, done. Search by note or category, filter by date, amount or who paid, and sort however you think. NO WHO-OWES-WHOM Muetual doesn't split bills or keep score. It's made for couples and households who pool their money: one shared total, one trend, one plan. If anyone needs to settle up, that stays between you. FREE, AND STAYING FREE The free plan covers a shared home: one sheet, shared with one other person who can view it, a budget, a recurring bill, the Upcoming view and your recent expenses. Older expenses are hidden, never deleted; Standard shows more of them and Premium shows them all. MORE WITH STANDARD AND PREMIUM Standard adds more sheets, the Editor role, your own categories, more recurring bills, longer history, a combined dashboard in the app that puts your sheets together in one currency, and email alerts when someone joins, a role changes or a budget runs over. Premium lifts the limits on sheets, members, recurring bills and history, and adds several currencies inside one sheet, converted for you, plus planned expenses. Both start with a free trial; cancel any time. YOURS, DOWN TO THE ACCENT Light, dark or automatic. Eight accent colours, three chart styles, four languages (English, French, German, Spanish). Settings follow your account to every device. PRIVATE BY DESIGN A sheet is visible only to the people you invite. No ads, no selling data, and you can delete your account from inside the app. Sign in with Apple, Google or email. Subscriptions are charged to your Apple ID and renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel them in your App Store account settings. Privacy Policy: https://muetual.com/privacy/ Terms of Use: https://muetual.com/terms/
Screenshots
Verdict
The clearest difference is in-app purchases: Paysmart at none against Muetual's 4. Paysmart also leads on device support (3 vs 1) and iOS requirement (15.0 vs 17.0). Muetual's advantage is ads (none vs shown). On price and update cadence 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. Muetual sells 4 in-app purchases, starting at $1.99 per month. Paysmart asks for nothing beyond the download.
Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on November 3, 2026 and November 6, 2026 respectively.
| Parameter | Paysmart | Muetual |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (2 ratings) — better | — |
| Positive reviews | 25.0% of reviews | — |
| Number of ratings | 2 — better | — |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Ads | Yes | No — better |
| In-app purchases | No — better | Yes |
| Monetization | Ad-supported | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 48 MB | 52 MB |
| Age rating | 4+ | 4+ |
| Developer | SOCIETE MONETIQUE TUNISIE | Evensys |
In-app purchases
Paysmart
No in-app purchases
Muetual
- muetual Standard Monthly14 Days trial$1.991 Month
- muetual Premium Monthly14 Days trial$4.991 Month
- muetual Standard Annual14 Days trial$19.991 Year
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- muetual Premium Annual14 Days trial$49.991 Year









