Goodbudget Budget Planner vs Payment Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Goodbudget Budget Planner
This personal finance app helps you plan your budget, track expenses, and manage debt using a virtual envelope system. Share your financial data with others across multiple devices and access insightful reports to understand your spending habits.
- Virtual envelope budgeting system
- Shared budgets for couples and families
- Cross-device synchronization (iOS, Android, Web)
- Insightful spending and debt reports
- Transaction scheduling
- CSV transaction export
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Goodbudget is a personal finance app perfect for budget planning, debt tracking, and money management. Share your budget and data across multiple phones (and the web!). MANAGE MONEY WITH PEOPLE YOU LOVE Goodbudget is perfect for sharing a budget with a spouse, family member, or friend because your budget is backed up. Share your budget across multiple devices including iPhones, other smartphones, and the web. * Transactions get backed up to the cloud and are accessible from other devices, including Goodbudget's web app! * Stay on the same page about finances with those close to you * Your data is automatically and securely backed up to Goodbudget's website * Download transactions to CSV (on website) INSIGHTFUL REPORTS Goodbudget helps you make sense of your budgeting and spending with in-app reports. * Know how to modify your budget after analyzing reports * Spending by envelope report (cool-looking pie chart!) * Income vs spending report * Debt progress report (track your payoff!) * Even more reports on the web A PROVEN SYSTEM Goodbudget is based on the envelope budgeting method. But with no physical envelopes...only virtual envelopes! * Check envelopes balances (aka how much you have left to spend) while you're on-the-go * Add transactions and track expenses easily on the go * Use the proven cash envelope budgeting method * Track your bank balances in addition to envelope balances * Pay off debt and manage payments * Live within your means * Schedule transactions and automatically fill envelopes Ad-free, Free Forever version includes 10 regular envelopes & 10 annual envelopes. Use envelope budgeting to plan your spending, not just track it! ================================ SUBSCRIBERS GET MORE FEATURES! ================================ * Unlimited Envelopes AND Accounts * Automatic Bank Sync * 5 devices for sharing * 7 years of transaction history * Personal and friendly email support Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Payment will be charged to iTunes Account at confirmation of purchase. Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal. Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase. If you're looking to track where your money goes, plan your spending, or create a budget that works, try us out! Goodbudget: Budget well. Live life. Do Good. Features, bugs? Please email us at support@goodbudget.com! We're happy to help! ** Leading personal finance app downloaded over 2,000,000 times AND previously featured by Apple, The New York Times, Forbes, CNET, LifeTime TV, The Boston Globe, and Lifehacker **
Payment Tracker
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A payment tracker that respects your money and your privacy. If you have ever lost track of a forgotten subscription, missed a credit card due date, or wondered how much your monthly bills really add up to, PayLog is built for you. It is the calm alternative to wallet apps, budget spreadsheets and aggressive personal finance dashboards. Every recurring charge, loan installment and one-time payment lives in one place, with no account, no cloud upload, no spreadsheet copy-paste and no third-party server in the loop. The philosophy is simple: a bill tracker should help you see what is coming, not turn your spending into a data product. It is built for adults who want a subscription manager and bill reminder that fits invisibly into their week — students, freelancers, parents juggling household expenses, expats with cards in two currencies. Every feature described below is unlocked only with an auto-renewable subscription purchased inside the app. New users receive a 3 day free trial; you may cancel anytime during the trial to avoid being charged. Open the app and the Pay-To-Do list shows exactly what is due today, this week and overdue, sorted by card or account. Bills, subscriptions and installment tracker entries sit side by side, so the streaming service, the rent, the loan tracker for your car and the recurring payments for your gym are all in one calm view. Each item carries a due date, amount, account, category and remaining months on a loan, with smart reminders firing the right number of days before each charge. The calendar view spans the year, charts break down monthly bills by category, and Home Screen and Lock Screen widgets keep your next payment glanceable from the wrist or the bedside. Multi-currency support with automatic conversion handles travel, foreign cards and expat life, while a quick-add flow logs a payment in seconds. The expense tracker side of PayLog totals outflow by account, by category, by month and by year, surfacing patterns like the subscription tracker bills you forgot or the seasonal spikes you keep missing. You can pause a subscription manager entry while you cancel it, mark an installment paid early, and roll one-time payments into trend charts without losing recurring averages. A budget app feel comes from per-category caps and gentle warnings as you approach the limit, never alarms or shaming. The app ships in 39 languages with full accessibility, VoiceOver and Dynamic Type. Your payment log stays on this device — no account, no cloud upload, no analytics, no third-party server reading your finances. Everything works offline, including reminders, the calendar view, the widgets and the charts. It is designed for people who want a payments app that feels like a notebook on their nightstand, not another finance dashboard demanding their attention. Unlock with Pro: • Unlimited payments beyond the free 5 active items • All widgets, themes and premium app icons • Advanced analytics, budgets and year-over-year trends • PDF and CSV export for taxes or your accountant • Custom categories per card or account Subscription Pricing & Terms Features require a subscription. Pricing and terms available in-app. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Payment will be charged to your Apple ID account at confirmation of purchase. The subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. Manage or cancel your subscription and free-trial conversion in Settings > Apple ID after purchase. Any unused portion of the free-trial period will be forfeited when you purchase a subscription.
Screenshots
Verdict
The clearest difference is update cadence: Payment Tracker at weekly against Goodbudget Budget Planner's every 3 weeks. Goodbudget Budget Planner's advantage is chart position (#94 vs unranked) and iOS requirement (15.0 vs 17.0). On price, ads, 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. Goodbudget Budget Planner sells 8 in-app purchases, starting at $5.99 per month and Payment Tracker sells 3 in-app purchases, starting at $2.99 per 7 days. Whichever you choose, the download price is not the number that matters.
Goodbudget Budget Planner ships an update every 3 weeks, Payment Tracker weekly. The most recent releases landed on November 12, 2026 and November 9, 2026 respectively.
| Parameter | Goodbudget Budget Planner | Payment Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (14K ratings) — better | — |
| Positive reviews | 58.2% of reviews | — |
| Number of ratings | 14K — better | — |
| Update frequency | Every 3 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | — |
| Best chart rank | #94 — better | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 23 MB | 18 MB |
| Age rating | 4+ | 4+ |
| Developer | Dayspring Technologies | Bahattin Duran |
Bugs and requests
Goodbudget Budget Planner
Reported bugs
4 issues- Transactions not saving properly
- Envelopes resetting or losing balances
- Recurring income/payments not working as expected
- Syncing issues between devices
Requested features
6 requests- Ability to group/organize envelopes
- Option to reconcile transactions and mark as cleared
- Transaction search functionality within the app
- Customizable envelope colors or themes
- Automatic transaction syncing from bank accounts
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- More detailed reporting and analytics features
Payment Tracker
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Goodbudget Budget Planner
- Monthly Plus Plan$5.991 Month
- Monthly Plus Plan2 variants$6.991 Month
- Monthly Plus Plan$7.991 Month
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- Monthly Premium Plan$9.991 Month
- Annual Plus Plan$49.991 Year
- Annual Plus Plan2 variants$59.991 Year
- Annual Plus Plan$69.991 Year
- Annual Premium Plan$79.991 Year
Payment Tracker
- PayLog Premium — Weekly3 Days trial$2.997 Days
- PayLog Premium — Monthly3 Days trial$6.991 Month
- PayLog Premium — Yearly7 Days trial$29.991 Year
Questions
Is Goodbudget Budget Planner free?
Is Payment Tracker free?
Do Goodbudget Budget Planner or Payment Tracker have ads?
Which is updated more often, Goodbudget Budget Planner or Payment Tracker?
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