PayStream vs Spectator
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayStream
Easily manage your expenses on the go. Enter mileage, receipted, and other expenses quickly. Upload photos of receipts directly from your camera or camera roll.
- Enter mileage expenses
- Record receipted expenses
- Add other expense types
- Upload receipts via camera
- Upload receipts from camera roll
- Convenient on-the-move entry
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Expenses application for PayStream customers. Allows PayStream customers to enter expenses and upload receipts conveniently and on the move. Enter mileage, receipted & other expenses quickly & use your camera to take a picture of the corresponding receipt & upload it (or use the camera roll).
Spectator
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Track your Bitcoin portfolio without connecting an exchange or sharing private keys. Just paste a public address. See your balance in BTC and USD, a full transaction history with the dollar value at the time of each transaction, and interactive charts going back as far as you want. No exchange connections, no logins, no account, no ads. You're just looking. Track as many wallets as you like. Stick a widget on your home screen. Works with any Bitcoin address type: legacy, SegWit, and Taproot. Completely free. No catch. • Portfolio total across all wallets • Balance history charts (1D, 1W, 1M, 1Y, All) • Transaction history with USD value at time • Three home screen widget styles • Pending transaction tracking • Drag to reorder wallets
Screenshots
Verdict
The clearest difference is update cadence: Spectator at fortnightly against PayStream's every 3 months. PayStream's advantage is iOS requirement (9.0 vs 26.0). 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. Neither carries in-app purchases, so what you see is what you pay.
PayStream ships an update every 3 months, Spectator fortnightly. The most recent releases landed on October 7, 2026 and October 8, 2026 respectively.
| Parameter | PayStream | Spectator |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 46.7% of reviews | — |
| Update frequency | Every 3 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 9.0 — better | 26.0 |
| Further details — not scored | ||
| Size | 34 MB | 1 MB |
| Age rating | 4+ | 4+ |
| Developer | PayStream | Monolayer Studio |
In-app purchases
PayStream
No in-app purchases
Spectator
No in-app purchases
