Comparison

Shabo Pay vs That Budget App

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

Head to head
About

Shabo Pay

Features
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At ShaboPay, we're committed to making credit more accessible and affordable for everyone. We're challenging outdated lending models and bringing you a mobile app that simplifies payments, enhances your shopping experience, and empowers you to take control of your finances. Join us in the journey to financial freedom and convenience with Shabo Pay. Key Benefits: - Buy Now, Pay Later (BNPL) with Three-Month Equal Payment with Interest - Convenient and Swift Payment - Centralised Loyalty Points - Real-Time Rewards and Promos - Improved Financial Management, Budgeting Tools - Comprehensive Transaction History - Loyalty Point Tracking

About

That Budget App

Features
Read full description

That Budget App – Master Your Finances Take control of your financial future with That Budget App, your personal finance companion designed for smart budgeting, insightful analytics, and achieving financial freedom. Unlike other budgeting tools, we prioritize your privacyβ€”there’s no need to link bank accounts; your data stays secure on your device. Key Features β€’ Lightning Fast: Intuitive interface designed for quick and easy budget management. β€’ Intelligent Insights: Visual reports and analytics to track spending habits and improve financial health. β€’ Goal Setting: Set savings goals and track progress effortlessly to stay on top of your financial targets. β€’ Smart Budgeting: Easily allocate expenses into categories and get alerts before overspending. β€’ Debt Tracking: Monitor outstanding debts and create repayment strategies to achieve financial freedom. β€’ Secure & Private: No data is shared or stored outside of your app or personal iCloud (for premium users). β€’ Smart Reminders: Get timely notifications to stay on track with your financial goals. β€’ Global Currency Support: Budget seamlessly worldwide with support for multiple currencies. β€’ Dashboard View: View your data in a clean dashboard or a simple list view. Why Choose That Budget App? Simple, Risk-Free Budgeting Unlike other budgeting apps, That Budget App does not require linking to bank accounts or financial institutions. Your financial data stays on your device, giving you full control. The Hidden Risks of Connecting Financial Accounts in Budget Apps β€’ Security Vulnerabilities: Many apps that link to banks rely on third-party aggregators, increasing exposure to data breaches. β€’ Lack of Control Over Your Data: Some financial apps store transaction history on their servers, which could be used for data mining or sold to third parties. β€’ Bank Login Risks: Many budgeting apps require your bank login credentials to access financial data. β€’ Data Syncing Issues & Errors: Bank integrations often experience sync failures, leading to incorrect balances or missing transactions. Why That Budget App is Different β€’ You Are in Control: You manually enter your financial data, eliminating third-party risks. β€’ No Bank Logins Needed: Keep your bank credentials private and secure. β€’ 100% Secure & Private: We never store personal data. The only data stored in the app is the financial figures you input. β€’ Simple Yet Powerful: Get all the benefits of budgeting without the risks of connecting financial accounts. Upgrade to Premium Unlock advanced features that make budgeting smarter, easier, and more powerful: β€’ Premium Monthly β€’ Premium Annual (monthly savings) β€’ Lifetime Access Premium features include ad removal, advanced analytics, cloud backup, new features Auto-Renewable Subscription Details β€’ Payment will be charged to your Apple ID account at confirmation of purchase. β€’ Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period. β€’ Your account will be charged for renewal within 24 hours prior to the end of the current period. β€’ You can manage or cancel your subscriptions at any time by going to your Account Settings on the App Store after purchase. Terms of Use (Apple EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://thatbudgetapp.com/privacy-policy.html Download That Budget App today and embark on a journey to financial freedom with smart budgeting and powerful insightsβ€”all without linking your bank accounts. Enjoy peace of mind knowing your data stays in your hands.

Screenshots

Shabo Pay4 screens
That Budget App4 screens

Verdict

The call

The clearest difference is in-app purchases: Shabo Pay at none against That Budget App's 3. Shabo Pay also leads on iOS requirement (12.0 vs 18.2). That Budget App's advantage is update cadence (every 3 days vs weekly). On price, ads and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. That Budget App sells 3 in-app purchases, starting at $0.99 per month. Shabo Pay asks for nothing beyond the download.

UpkeepUpdate frequency

Shabo Pay ships an update weekly, That Budget App every 3 days. The most recent releases landed on October 8, 2026 and October 13, 2026 respectively.

Scorecard3 real differences Β· 3 level
Shabo Pay versus That Budget App: the parameters behind the verdict, then further details
ParameterShabo PayThat Budget App
PriceFreeFree
Update frequencyWeeklyEvery 3 days β€” better
AdsYesYes
In-app purchasesNo β€” betterYes
DevicesiPhone, iPad, iPod β€” betteriPhone, iPad
Requires iOS12.0 β€” better18.2
Further details β€” not scored
Size125 MB18 MB
Age rating17+4+
DeveloperShabo Pay LimitedNadir Yaqub

In-app purchases

None

Shabo Pay

No in-app purchases

3 purchases

That Budget App

Subscriptions2
  • Premium Monthly$0.991 Month
  • Premium Annual$10.001 Year
One-time1
  • Lifetime Premium Access$49.99

Questions

Is Shabo Pay free?
Shabo Pay is free to download, with no in-app purchases.
Is That Budget App free?
That Budget App is free to download, with in-app purchases available.
Do Shabo Pay or That Budget App have ads?
Both Shabo Pay and That Budget App show ads.
Which is updated more often, Shabo Pay or That Budget App?
Shabo Pay ships an update weekly, and That Budget App every 3 days. Most recently, Shabo Pay was updated on October 8, 2026 and That Budget App on October 13, 2026.

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