# PayStream vs Moneta

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.

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

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.

## The numbers

| Metric | PayStream | Moneta |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (2 ratings)](https://appshunter.io/ios/app/moneta-budget-tracker/id6759993693/reviews)** |
| Number of ratings | — | **2** |
| Positive reviews | 46.7% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 days** |
| Monetization | **Free** | Freemium |
| Size | 34 MB | 24 MB |
| Requires iOS | **9.0** | 18.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [PayStream](https://appshunter.io/developer/541569321) | [Nathaniel Brion Sison](https://appshunter.io/developer/1571263497) |

## What reviewers say

### PayStream

[App page](https://appshunter.io/ios/app/paystream/id541569318)

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

**In-app purchases:** none


### Moneta

[App page](https://appshunter.io/ios/app/moneta-budget-tracker/id6759993693)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $2.99 | per month |
| Annual | $19.99 | per year |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*