# Pay Timer vs Mortgage Tracker | SPARC

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.

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 October 14, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | Pay Timer | Mortgage Tracker | SPARC |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/pay-timer/id468649105/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/mortgage-tracker-sparc/id6737147688/reviews) |
| Number of ratings | **2** | 1 |
| Positive reviews | **100.0% of reviews** | 50.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 10 months | **Weekly** |
| Monetization | Paid | **Free with in-app purchases** |
| Size | 5 MB | 5 MB |
| Requires iOS | **11.0** | 26.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Piet Jonas](https://appshunter.io/developer/288060167) | [SPARC SOLUTIONS LLC](https://appshunter.io/developer/1703776229) |

## What reviewers say

### Pay Timer

[App page](https://appshunter.io/ios/app/pay-timer/id468649105)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Mortgage Tracker | SPARC

[App page](https://appshunter.io/ios/app/mortgage-tracker-sparc/id6737147688)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Create Unlimited Mortgages | $0.99 | one-time |


## Frequently asked 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 October 14, 2026 and Mortgage Tracker | SPARC on September 23, 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.*