# Payhammer vs CleverAlpha

The clearest difference is rating: CleverAlpha at 5.0 against Payhammer's 3.2. CleverAlpha also leads on update cadence (fortnightly vs every 6 months). Payhammer's advantage is ratings volume (5 vs 1) and iOS requirement (13.0 vs 17.0). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

CleverAlpha holds the better App Store score, 5.0 against 3.2. That said, the two scores are not equally well evidenced: Payhammer has 5 ratings behind it against 1, so its average is the more settled of the two.

Payhammer ships an update every 6 months, CleverAlpha fortnightly. The most recent releases landed on October 12, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | Payhammer | CleverAlpha |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (5 ratings)](https://appshunter.io/ios/app/payhammer/id6471499032/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/cleveralpha/id6738935237/reviews)** |
| Number of ratings | **5** | 1 |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 60 MB | 14 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 17+ | 17+ |
| Developer | [Payhammer LLC](https://appshunter.io/developer/1715474530) | [CleverAlpha Asset Management](https://appshunter.io/developer/1783002676) |

## What reviewers say

### Payhammer

[App page](https://appshunter.io/ios/app/payhammer/id6471499032)

This app offers modern financial solutions for underserved communities and small businesses. It provides a personalized experience to help users achieve financial freedom with features like mobile check deposit and earned wage access.

**Highlights:** Inclusive financial access, Earned wage access (coming soon), Mobile check deposit (coming soon), Small business tools, Personalized financial experience

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### CleverAlpha

[App page](https://appshunter.io/ios/app/cleveralpha/id6738935237)

Manage your investments with real-time tracking, advanced analytics, and flexible funding options. The app guides you through setting financial goals, determining risk tolerance, and securely managing your accounts and documents.

**Highlights:** Real-time portfolio tracking, Advanced analytics and charts, Multiple account types supported, Flexible funding options, Guided onboarding process, Document management, Secure account management

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

**In-app purchases:** none


## Frequently asked questions

### Is Payhammer free?

Payhammer is free to download, with no in-app purchases.

### Is CleverAlpha free?

CleverAlpha is free to download, with no in-app purchases.

### Which has better reviews, Payhammer or CleverAlpha?

CleverAlpha is rated higher. Payhammer averages 3.2 out of 5 from 5 ratings, while CleverAlpha averages 5.0 from 1 ratings.

### Do Payhammer or CleverAlpha have ads?

Neither Payhammer nor CleverAlpha shows ads.

### Which is updated more often, Payhammer or CleverAlpha?

Payhammer ships an update every 6 months, and CleverAlpha fortnightly. Most recently, Payhammer was updated on October 12, 2026 and CleverAlpha on October 3, 2026.

---

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