Expense Tracker vs Payify
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Expense Tracker
Effortlessly track daily expenses with AI-powered voice input and automatic categorization. Enjoy a beautiful, clutter-free interface and secure iCloud storage. Offers a free trial before subscription.
- AI-powered voice expense input
- Automatic expense categorization
- Manual expense entry
- Customizable categories
- Beautiful and intuitive UI/UX
- Secure iCloud storage
- Privacy-friendly, no login required
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Introducing MonAi, the app that revolutionizes how you track your daily expenses. With a fun, easy, and beautiful interface, MonAi simplifies expense tracking like never before. No more time-consuming data entry. Enter your expenses just like a voice message and MonAi will automatically split and categorize it for you. No login required, all saved securely in your personal iCloud. EFFORTLESS EXPENSE TRACKING Experience the future of expense tracking with MonAi's seamless voice input feature. Effortlessly capture your expenses by simply speaking them out loud. MonAi's robust AI algorithms intelligently categorize and divide your expenses without any manual effort on your part. Don't worry if voice input isn't your preference—MonAi offers versatile options. Enter expenses manually and still benefit from the app's intelligent categorization. Alternatively, drag and drop a category onto the input field to define your own custom category. MonAi adapts to your needs, making expense tracking quick, fun, and tailored to your style. BEAUTIFUL UI/UX DESIGN Enjoy a delightful and user-friendly interface, carefully designed to elevate your expense tracking experience. Embracing simplicity and elegance, MonAi's user-friendly design ensures that you can focus on what matters—your finances. Unlike overwhelming apps with unnecessary features, MonAi strips away the clutter, presenting you with a streamlined and intuitive interface that makes tracking expenses a pleasure. PRIVACY-FRIENDLY AND SECURE Rest assured knowing that your expense data is stored securely in your own personal iCloud. MonAi values your privacy and does not require any login credentials and doesn't have access to any of your data. Download MonAi now and discover a seamless and efficient way to track your expenses. Take control of your finances and experience the convenience of MonAi. Get to know the app and all of it’s features first with a free trial before you can choose between a monthly or yearly subscription. The subscription will automatically renew at the end of the period, for the same price. You can turn off the auto-renewal at any time up until 24-hours before the end of the subscription period in your Account Settings. When you cancel the auto-renewal, access to the "Pro features" will not expire immediately, you will have access until the end of the current payment period. Read more about it in the terms of service: https://www.get-monai.app/terms
Payify
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You're probably paying for subscriptions you forgot about. The average person wastes $32/month on forgotten subscriptions — streaming trials that converted, apps they stopped using, gym memberships they never cancelled. Payify fixes that. Add your subscriptions once. Payify tracks everything and alerts you before every renewal. No bank login required. No data sold. Just your subscriptions, organized. WHY PAYIFY? - No bank account connection — 100% private - Track all subscriptions and recurring bills in one place - Renewal reminders before charges hit — never be surprised - Monthly and yearly spending totals at a glance - Expense breakdown by category - Budget limits and savings tracker - Visual analytics and spending insights - Clean, fast, and simple BUILT FOR PRIVACY Most subscription apps connect to your bank. Payify doesn't. You add what you want to track — Netflix, Spotify, gym, rent, apps, insurance — and everything stays on your device and iCloud. We never see your data. Ever. STOP OVERPAYING Free trials turn into paid subscriptions. Prices quietly increase. Annual plans auto-renew before you notice. Payify puts you back in control with smart reminders set exactly how far in advance you need them. UNDERSTAND YOUR SPENDING See your total monthly and yearly outgoings in seconds. Break down expenses by category — entertainment, utilities, fitness, software — and instantly see where your money is going. Set budget limits and track whether you're staying on track. PERFECT FOR - Anyone with multiple streaming services - Freelancers and remote workers tracking software subscriptions - Families managing shared bills and services - People who got burned by forgotten free trials - Anyone who wants to reduce monthly expenses without a spreadsheet Take control of your subscriptions. Save more. Stress less. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
Expense Tracker and Payify are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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. Expense Tracker sells 17 in-app purchases, starting at $2.99 per month and Payify sells 3 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.
Expense Tracker ships an update every 2 weeks, Payify monthly. The most recent releases landed on October 30, 2026 and October 25, 2026 respectively.
| Parameter | Expense Tracker | Payify |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (888 ratings) — better | — |
| Positive reviews | 82.6% of reviews | — |
| Number of ratings | 888 — better | — |
| Update frequency | Every 2 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone | iPhone |
| Requires iOS | 18.0 | 17.6 — better |
| Further details — not scored | ||
| Size | 54 MB | 19 MB |
| Age rating | 4+ | 4+ |
| Developer | Florian Vates | ERX CONNECT |
Bugs and requests
Expense Tracker
Reported bugs
3 issues- Doesn't register all bank transactions
- Incompatible with some devices or iOS versions
- Sharing large lists doesn't work
Requested features
6 requests- Weekly/daily expense view
- Separate savings category
- Ability to add past expenses
- Multi-currency support
- Improved reporting and analytics
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- Dark mode option
Payify
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Expense Tracker
- Student Monthly7 Days trial$2.991 Month
- Basic monthly intro7 Days trial$2.991 Month
- Advanced$2.991 Month
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- Family month intro7 Days trial$3.991 Month
- Basic monthly7 Days trial$3.991 Month
- Family$3.991 Month
- Student Monthly7 Days trial$4.491 Month
- Family month7 Days trial$5.491 Month
- Monthly7 Days trial$7.991 Month
- Student Yearly7 Days trial$24.991 Year
- Basic yearly intro7 Days trial$24.991 Year
- Advanced$24.991 Year
- Basic yearly7 Days trial$29.991 Year
- Family yearly intro7 Days trial$34.991 Year
- Family$34.991 Year
- Family yearly7 Days trial$39.991 Year
- Yearly7 Days trial$71.991 Year
Payify
- Coffee Small$4.99
- Coffee Medium$9.99
- Coffee Big$24.99









