# First Note vs Payment Calendar

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.

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.

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.

## The numbers

| Metric | First Note | Payment Calendar |
| --- | --- | --- |
| Price | $2.99 | **Free** |
| Rating | — | **[5.0 (2 ratings)](https://appshunter.io/ios/app/payment-calendar-bill-tracker/id6757201533/reviews)** |
| Number of ratings | — | **2** |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 days** |
| Monetization | Paid | **Freemium** |
| Size | 3 MB | 11 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | +4 |
| Developer | [Gianfranco Percopo](https://appshunter.io/developer/594845026) | [Michal Debinski](https://appshunter.io/developer/1865228407) |

## What reviewers say

### First Note

[App page](https://appshunter.io/ios/app/first-note/id594845023)

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:** macOS Compatibility

**In-app purchases:** none


### Payment Calendar

[App page](https://appshunter.io/ios/app/payment-calendar-bill-tracker/id6757201533)

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:** macOS Compatibility, Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payment Calendar Pro (Monthly) | $2.99 | per month |
| Payment Calendar Pro (Yearly) | $24.99 | per year |
| Payment Calendar Pro (Lifetime) | $99.99 | one-time |


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