Comparison

First Note vs Payment Calendar

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

Head to head
About

First Note

Manage your finances with this tool that allows you to track daily, monthly, and year-over-year spending. Easily search for past transactions by date to compare expenses and make informed financial decisions.

Highlights
  • Daily balance tracking
  • Monthly spending reports
  • Carry-over balance from previous month
  • Transaction search by date
  • Historical spending comparison
Features
Read full description

First Note is an ideal tool to manage the accounting staff and view the balance daily, monthly and carry over the previous month. The research can be done to move or date. For example: do not you remember when you spent last year for the maintenance of your car? Do you think the mechanic will not ask a higher price? With this tool you can go back to that era and compare spending for the current year.

About

Payment Calendar

Manage your bills and recurring payments with a clear calendar view. Set custom reminders, organize expenses by category, and track your financial activity privately and securely. Offers advanced statistics and iCloud sync for Pro users.

Highlights
  • Calendar view of payments
  • Recurring bill tracking
  • Custom payment reminders
  • Category organization
  • Monthly and yearly statistics
  • Offline-first operation
  • iCloud sync (Pro)
Features
Read full description

Payment Calendar helps you stay on top of bills and upcoming payments — without clutter, ads, or accounts. Track due dates, mark payments as paid, and see your entire month at a glance. Simple. Private. Offline-first. KEY FEATURES • Calendar view of all upcoming payments • Custom payment reminders • Swipe to mark as paid, edit or duplicate • Correct the actual date you paid, separately from the due date • Search by name, note or amount • 22 currencies, formatted for your region • Trash — deleted payments can be restored for 30 days • Find your payments in system search (Spotlight) • iPad: Split View, windowing, keyboard and keyboard shortcuts • Accessibility: follows your system text size, supports Reduce Motion, and never shows payment status by colour alone • Dark mode PRIVACY FIRST • No account required • Data stored on your device or in your private iCloud • No tracking, no ads, no third parties • No bank connection — you add payments yourself • Full control over your financial data PRO FEATURES • Recurring payments and subscriptions — daily, weekly, monthly, yearly or a custom interval • Monthly summary and a 6-month spending trend • Home Screen widgets: next payment, monthly summary, trend, month grid • Lock Screen widget • iCloud sync across your Apple devices • CSV and PDF export Stay in control of your payments — simply and securely. Privacy Policy: https://payment-calendar.app/legal/?doc=privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

First Note4 screens
Payment Calendar4 screens

Verdict

The call

The clearest difference is price: Payment Calendar at Free against First Note's $2.99. Payment Calendar also leads on update cadence (every 5 days vs every 3 months). First Note's advantage is in-app purchases (none vs 3) and iOS requirement (15.0 vs 18.0). On 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

Payment Calendar is free to download; First Note costs $2.99 up front. Payment Calendar sells 3 in-app purchases, starting at $2.99 per month. First Note asks for nothing beyond the download.

UpkeepUpdate frequency

First Note ships an update every 3 months, Payment Calendar every 5 days. The most recent releases landed on October 5, 2026 and October 12, 2026 respectively.

Scorecard5 real differences · 5 level
First Note versus Payment Calendar: the parameters behind the verdict, then further details
ParameterFirst NotePayment Calendar
Price$2.99Free — better
Rating—5.0 (2 ratings) — better
Positive reviews66.7% of reviews—
Number of ratings—2 — better
Update frequencyEvery 3 monthsEvery 5 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationPaidFreemium — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better18.0
Further details — not scored
Size3 MB11 MB
Age rating4++4
DeveloperGianfranco PercopoMichal Debinski

Customer experience

First Note

Written reviews9 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

Payment Calendar

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

First Note

No in-app purchases

3 purchases

Payment Calendar

Subscriptions2
  • Payment Calendar Pro (Monthly)$2.991 Month
  • Payment Calendar Pro (Yearly)$24.991 Year
One-time1
  • Payment Calendar Pro (Lifetime)$99.99

Questions

Is First Note free?
First Note costs $2.99, with no in-app purchases.
Is Payment Calendar free?
Payment Calendar is free to download, with in-app purchases available.
Do First Note or Payment Calendar have ads?
Neither First Note nor Payment Calendar shows ads.
Which is updated more often, First Note or Payment Calendar?
First Note ships an update every 3 months, and Payment Calendar every 5 days. Most recently, First Note was updated on October 5, 2026 and Payment Calendar on October 12, 2026.

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