Pay Timer vs Mortgage Tracker | SPARC
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Work time tracking
- Automatic earnings calculation
- Background timer operation
- Local data saving
- Email export for backup
- History of calculations
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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.
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.
- 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
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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
Verdict
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
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.
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.
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.
| Parameter | Pay Timer | Mortgage Tracker | SPARC |
|---|---|---|
| Price | $0.99 | Free — better |
| Rating | 5.0 (2 ratings) | 5.0 (1 ratings) |
| Positive reviews | 100.0% of reviews — better | 50.0% of reviews |
| Number of ratings | 2 — better | 1 |
| Update frequency | Every 10 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Paid | Free with in-app purchases — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 11.0 — better | 26.0 |
| Further details — not scored | ||
| Size | 5 MB | 5 MB |
| Age rating | 4+ | 4+ |
| Developer | Piet Jonas | SPARC SOLUTIONS LLC |
Customer experience
Pay Timer
Mortgage Tracker | SPARC
In-app purchases
Pay Timer
No in-app purchases
Mortgage Tracker | SPARC
- Create Unlimited Mortgages$0.99
Questions
Is Pay Timer free?
Is Mortgage Tracker | SPARC free?
Which has better reviews, Pay Timer or Mortgage Tracker | SPARC?
Do Pay Timer or Mortgage Tracker | SPARC have ads?
Which is updated more often, Pay Timer or Mortgage Tracker | SPARC?
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