Comparison

Pay Timer vs Mortgage Tracker | SPARC

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

Head to head
About

Pay Timer

Track your work hours and automatically calculate your pay. The timer continues to run in the background, allowing you to close the app. Export your work history via email for backup and analysis.

Highlights
  • Work time tracking
  • Automatic earnings calculation
  • Background timer operation
  • Local data saving
  • Email export for backup
  • History of calculations
Features
Read full description

Measure the time you work and calculate your earnings. The timer keeps running even when you close the application. So there is no need to keep it open all the time. You can save a history of calculations locally on your device and email them to yourself for backup and further processing.

About

Mortgage Tracker | SPARC

This app helps you manage and understand your mortgage details. It calculates key metrics, provides an amortization schedule, and visualizes your financial progress. Keep track of multiple properties with iCloud syncing across your iOS devices.

Highlights
  • Calculate principal, interest, and monthly payments
  • View detailed amortization schedules
  • Visualize mortgage data with graphs
  • Sync data across iOS devices via iCloud
  • Track multiple mortgages simultaneously
Features
Read full description

Introducing our intuitive iOS app designed to streamline tracking and management of your mortgage details, giving you full financial clarity and control: With our app, you can: • Calculate Key Mortgage Metrics: Easily compute essential figures like principal, interest, premium, and monthly payments tailored to your unique mortgage terms, making it easy to stay informed. • Access a Detailed Amortization Schedule: Visualize your mortgage payoff journey over time with an in-depth amortization chart, providing you with a clear and intuitive snapshot of interest versus principal payments. • Enjoy Simple and Intuitive Visualization: Navigate through your mortgage data effortlessly with user-friendly graphs and charts that make complex financial information easy to understand at a glance. • Keep Your Data Synced: Automatically sync mortgage information across all your iOS devices via iCloud, so you always have up-to-date data wherever you go. • Organize Multiple Mortgages: Track and manage multiple properties with separate calculations, and view individual or aggregate details at a glance, perfect for managing personal and investment properties alike. Take control of your mortgage journey with simple and effective visualization – download our app today and achieve better financial management!

Screenshots

Pay Timer4 screens
Mortgage Tracker | SPARC4 screens

Verdict

The call

Pay Timer and Mortgage Tracker | SPARC both sit at 5.0 stars, but that hides the real split: 100% of Pay Timer's written reviews are positive against 50% of Mortgage Tracker | SPARC's. Pay Timer also leads on in-app purchases (none vs 1) and iOS requirement (11.0 vs 26.0). Mortgage Tracker | SPARC's advantage is price (Free vs $0.99) and update cadence (weekly vs every 10 months). On rating, ratings volume, ads 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

Mortgage Tracker | SPARC is free to download; Pay Timer costs $0.99 up front. Mortgage Tracker | SPARC sells 1 one-off in-app purchase. Pay Timer asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Pay Timer against 5.0 for Mortgage Tracker | SPARC. Both are backed by a comparable volume of ratings — 2 and 1 respectively. Written reviews are what separate them: 100% of Pay Timer's written reviews are positive against 50% of Mortgage Tracker | SPARC's.

UpkeepUpdate frequency

Pay Timer ships an update every 10 months, Mortgage Tracker | SPARC weekly. The most recent releases landed on September 29, 2026 and September 23, 2026 respectively.

Scorecard6 real differences · 4 level
Pay Timer versus Mortgage Tracker | SPARC: the parameters behind the verdict, then further details
ParameterPay TimerMortgage Tracker | SPARC
Price$0.99Free — better
Rating5.0 (2 ratings)5.0 (1 ratings)
Positive reviews100.0% of reviews — better50.0% of reviews
Number of ratings2 — better1
Update frequencyEvery 10 monthsWeekly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationPaidFree with in-app purchases — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS11.0 — better26.0
Further details — not scored
Size5 MB5 MB
Age rating4+4+
DeveloperPiet JonasSPARC SOLUTIONS LLC

Customer experience

Pay Timer

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Mortgage Tracker | SPARC

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Pay Timer

No in-app purchases

1 purchases

Mortgage Tracker | SPARC

One-time1
  • Create Unlimited Mortgages$0.99

Questions

Is Pay Timer free?
Pay Timer costs $0.99, with no in-app purchases.
Is Mortgage Tracker | SPARC free?
Mortgage Tracker | SPARC is free to download, with in-app purchases available.
Which has better reviews, Pay Timer or Mortgage Tracker | SPARC?
Pay Timer and Mortgage Tracker | SPARC are both rated 5.0 out of 5 on the App Store, from 2 and 1 ratings respectively.
Do Pay Timer or Mortgage Tracker | SPARC have ads?
Neither Pay Timer nor Mortgage Tracker | SPARC shows ads.
Which is updated more often, Pay Timer or Mortgage Tracker | SPARC?
Pay Timer ships an update every 10 months, and Mortgage Tracker | SPARC weekly. Most recently, Pay Timer was updated on September 29, 2026 and Mortgage Tracker | SPARC on September 23, 2026.

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