# Expense Tracker vs Payify

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.

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.

## The numbers

| Metric | Expense Tracker | Payify |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (888 ratings)](https://appshunter.io/ios/app/expense-tracker-monai/id6447112647/reviews)** | — |
| Number of ratings | **888** | — |
| Positive reviews | 82.6% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | Free with in-app purchases | — |
| Size | 54 MB | 19 MB |
| Requires iOS | 18.0 | **17.6** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Florian Vates](https://appshunter.io/developer/1544416478) | [ERX CONNECT](https://appshunter.io/developer/1857256598) |

## What reviewers say

### Expense Tracker

[App page](https://appshunter.io/ios/app/expense-tracker-monai/id6447112647)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Family Sharing, Vision Pro support, iPhone Duo support

**In-app purchases (17)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Student Monthly | $2.99 | per month |
| Basic monthly intro | $2.99 | per month |
| Advanced | $2.99 | per month |
| Family month intro | $3.99 | per month |
| Basic monthly | $3.99 | per month |
| Family | $3.99 | per month |
| Student Monthly | $4.49 | per month |
| Family month | $5.49 | per month |
| Monthly | $7.99 | per month |
| Student Yearly | $24.99 | per year |
| Basic yearly intro | $24.99 | per year |
| Advanced | $24.99 | per year |
| Basic yearly | $29.99 | per year |
| Family yearly intro | $34.99 | per year |
| Family | $34.99 | per year |
| Family yearly | $39.99 | per year |
| Yearly | $71.99 | per year |

**What reviewers like**

- 🚀 Dictate transactions, no need to enter individually
- 🚀 Simple and easy to use
- 👍 Shared account for couples
- 👍 Practical, solves the problem of writing down expenses
- 👍 Intuitive and effective

**What reviewers complain about**

- 🐛 Doesn't register all transactions, especially Apple Pay
- 🔒 Requires payment to use, no free trial
- 🔒 Stops working on alternative devices after paying
- 🔒 Limited features in free version
- 🐛 Voice input sometimes gets stuck or has errors

**Reported bugs**

- Doesn't register all bank transactions
- Incompatible with some devices or iOS versions
- Sharing large lists doesn't work

**Requested features**

- Weekly/daily expense view
- Separate savings category
- Ability to add past expenses
- Multi-currency support
- Improved reporting and analytics


### Payify

[App page](https://appshunter.io/ios/app/payify-subscription-tracker/id6759961990)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Coffee Small | $4.99 | one-time |
| Coffee Medium | $9.99 | one-time |
| Coffee Big | $24.99 | one-time |


## Frequently asked questions

### Is Expense Tracker free?

Expense Tracker is free to download, with in-app purchases available.

### Is Payify free?

Payify is free to download, with in-app purchases available.

### Do Expense Tracker or Payify have ads?

Neither Expense Tracker nor Payify shows ads.

### Which is updated more often, Expense Tracker or Payify?

Expense Tracker ships an update every 2 weeks, and Payify monthly. Most recently, Expense Tracker was updated on October 30, 2026 and Payify on October 25, 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.*