Comparison

PayStream vs Moneta

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

Head to head
About

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.

Highlights
  • Enter mileage expenses
  • Record receipted expenses
  • Add other expense types
  • Upload receipts via camera
  • Upload receipts from camera roll
  • Convenient on-the-move entry
Read full description

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).

About

Moneta

This app helps you manage your monthly budget by splitting your allowance into custom envelopes for different spending categories. It tracks your remaining balance for the month and daily spending limits, allowing you to log expenses quickly and view your financial trends. You can also share budgets with others and choose to sync data via Apple or Google sign-in.

Highlights
  • Envelope budgeting
  • Daily spending limits
  • Expense logging
  • Budget sharing
  • Monthly trends
  • Currency selection
Features
Read full description

Moneta answers one question fast: how much can I still spend this month? Set your monthly allowance, split it into envelopes like groceries, dining out and gas, and log expenses as they happen. Moneta shows what is left in every envelope, plus a daily amount that keeps you on track until payday. START ANY DAY OF THE MONTH Downloaded Moneta on the 20th? Start from today. Your first budget covers only the days left in the month, so it is right from day one. Fixed bills like rent stay whole. WHAT YOU CAN DO - See what is left to spend, for the month and for each envelope - Get a daily spending amount that adjusts as you go - Keep fixed bills apart from flexible spending - Log an expense in seconds, with an optional note - Search and edit your history, day by day - Track money people owe you: loans, split bills, reimbursements - See monthly trends and all-time totals - Pick your currency BUDGET TOGETHER Share a budget with a partner or roommate and see the same envelopes on both phones. With Moneta Premium you can keep more than one budget and invite people. The people you invite do not need Premium to join. PRIVATE BY DESIGN No bank login and no linked accounts. You decide what goes in. Start right away in guest mode with your data on this device, or sign in with Apple or Google to sync and back up. Export a backup whenever you want. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula

Screenshots

PayStream3 screens
Moneta4 screens

Verdict

The call

The clearest difference is review sentiment: Moneta at 100% against PayStream's 47%. Moneta also leads on update cadence (every 3 days vs every 3 months). PayStream's advantage is in-app purchases (none vs 2) and iOS requirement (9.0 vs 18.0). On price, 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

Both are free to download. Moneta sells 2 in-app purchases, starting at $2.99 per month. PayStream asks for nothing beyond the download.

UpkeepUpdate frequency

PayStream ships an update every 3 months, Moneta every 3 days. The most recent releases landed on November 1, 2026 and October 31, 2026 respectively.

Scorecard5 real differences · 5 level
PayStream versus Moneta: the parameters behind the verdict, then further details
ParameterPayStreamMoneta
PriceFreeFree
Rating—5.0 (2 ratings) — better
Positive reviews46.7% of reviews100.0% of reviews — better
Number of ratings—2 — better
Update frequencyEvery 3 monthsEvery 3 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPodiPhone, iPad
Requires iOS9.0 — better18.0
Further details — not scored
Size34 MB24 MB
Age rating4+4+
DeveloperPayStreamNathaniel Brion Sison

Customer experience

PayStream

Written reviews15 reviews
Positive46.7%
Neutral0.0%
Negative53.3%

Moneta

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

In-app purchases

None

PayStream

No in-app purchases

2 purchases

Moneta

Subscriptions2
  • Monthly$2.991 Month
  • Annual$19.991 Year

Questions

Is PayStream free?
PayStream is free to download, with no in-app purchases.
Is Moneta free?
Moneta is free to download, with in-app purchases available.
Do PayStream or Moneta have ads?
Neither PayStream nor Moneta shows ads.
Which is updated more often, PayStream or Moneta?
PayStream ships an update every 3 months, and Moneta every 3 days. Most recently, PayStream was updated on November 1, 2026 and Moneta on October 31, 2026.

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