Comparison

CreditC Rate vs Nine2Five

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

Head to head
About

CreditC Rate

Features
Read full description

This App lets you keep your Credit Cards Usage Rate using Card's Balances and Credit Limits in order to plan payments over Cards with the highest Rate. You only need to keep your Balance updated, then put your estimated Payment, and you’ll see how enough is such value to reduce your debt therefore your Rate.  Some functions are: - Create and edit up to 10 credit cards. - Entry Balance, Credit Limits and estimated Payments. - Calculate and present overall Rate and show a list with Rate by Card. - Present a list with estimated Payments Note: This App doesn’t consider interests, purchases and other charges; so that, you have to update the Balances, after card statement is ready from your bank or financial institution, for instance.

About

Nine2Five

Track your real-time earnings, overtime, and payday countdown. Visualize your budget coverage and projected yearly income. Ideal for hourly workers and freelancers to manage their finances.

Highlights
  • Live earnings ticker
  • Overtime tracking
  • Payday countdown
  • Budget coverage visualization
  • Work history log
  • Projected yearly earnings calculator
Features
Read full description

Nine2Five offers a 7-day free trial. After the trial, a subscription is required to access all features: $2.99/month, $24.99/year, or $59.99 lifetime. Know exactly how much you've earned — down to the penny — while you work. Nine2Five is the pay clock calculator built for hourly workers, freelancers, and anyone paid by the hour. Clock in when your shift starts and watch your earnings tick up in real time. No more guessing, no more waiting for your paycheck to see if the hours add up. **LIVE EARNINGS TICKER** See your take-home pay grow second by second as you work. Set your hourly rate, configure your deductions, and Nine2Five handles the math automatically. **OVERTIME TRACKING** Set your OT threshold and multiplier. Nine2Five tracks your hours for the week and automatically switches to your overtime rate the moment you hit it — the app even turns amber so you know you're in OT. **PAYDAY COUNTDOWN** Always know how far away your next paycheck is. Nine2Five supports weekly, bi-weekly, semi-monthly, and monthly pay periods, with a customizable payday so the countdown is always accurate for your schedule. **BUDGET COVERAGE** Add your monthly bills and watch them get covered as you earn. Nine2Five shows exactly which expenses your paycheck has covered so far — rent, car payment, groceries and more — so you can see your money working in real time. **WORK HISTORY** Every session is logged automatically. Review your hours and earnings by day, week, or month. Add manual entries for days you forgot to clock in. **FUTURES CALCULATOR** See your projected yearly earnings based on your last 30 days. Set a savings goal and find out exactly what hourly rate you need to hit it. Whether you're working a 9-to-5, picking up shifts, or freelancing on the side — Nine2Five keeps your earnings visible, your budget covered, and your goals in sight. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

CreditC Rate4 screens
Nine2Five4 screens

Verdict

The call

The clearest difference is in-app purchases: CreditC Rate at none against Nine2Five's 3. Nine2Five's advantage is update cadence (fortnightly vs every 10 months) and iOS requirement (15.1 vs 18.0). On price, ads and device support there is nothing between them.

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Nine2Five sells 3 in-app purchases, starting at $2.99 per month. CreditC Rate asks for nothing beyond the download.

UpkeepUpdate frequency

CreditC Rate ships an update every 10 months, Nine2Five fortnightly. The most recent releases landed on October 25, 2026 and October 8, 2026 respectively.

Scorecard3 real differences · 6 level
CreditC Rate versus Nine2Five: the parameters behind the verdict, then further details
ParameterCreditC RateNine2Five
PriceFreeFree
Rating—5.0 (3 ratings) — better
Number of ratings—3 — better
Update frequencyEvery 10 monthsFortnightly — better
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Free
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.015.1 — better
Further details — not scored
Size1 MB33 MB
Age rating17+4+
DeveloperAgustin Contreras HernandezBenjamin Slapelis

In-app purchases

None

CreditC Rate

No in-app purchases

3 purchases

Nine2Five

Subscriptions2
  • Nine2Five Monthly7 Days trial$2.991 Month
  • Nine2Five Yearly7 Days trial$24.991 Year
One-time1
  • Nine2Five Lifetime$59.99

Questions

Is CreditC Rate free?
CreditC Rate is free to download, with no in-app purchases.
Is Nine2Five free?
Nine2Five is free to download, with in-app purchases available.
Do CreditC Rate or Nine2Five have ads?
Neither CreditC Rate nor Nine2Five shows ads.
Which is updated more often, CreditC Rate or Nine2Five?
CreditC Rate ships an update every 10 months, and Nine2Five fortnightly. Most recently, CreditC Rate was updated on October 25, 2026 and Nine2Five on October 8, 2026.

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