Effective Expenses vs Paylendar
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
Effective Expenses
Easily track your income and expenses with a built-in calculator and smart pickers. Automate transaction imports from Apple Wallet and gain clear financial insights through customizable charts and analytics. Organize your finances with custom accounts and categories.
- Log income and expenses
- Recurring transaction scheduling
- Apple Wallet transaction import
- Customizable accounts and categories
- Financial analytics and charts
- Home screen widgets
- Built-in calculator
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# Expense & Income Tracking Keep expenses and income together, from your morning coffee to your monthly salary. - Recurring transactions: Schedule rent, subscriptions, payday, and more, with repeats from daily to yearly, including every 2 weeks. - Upcoming transactions: See scheduled transactions in a dedicated view. - Screenshot entry: Choose a screenshot or receipt photo to fill in a new transaction. - Share to Expenses: Create a transaction from a screenshot shared from another app. - Built-in calculator: Do quick math in the amount field. - Smart pickers: Create accounts and categories while adding a transaction. - Bulk actions: Select multiple transactions to delete or recategorize them together. # Automatic Import with Shortcuts Bring in transactions from Apple Wallet and payment notifications with Shortcuts automations. - Apple Wallet: Set up an automation in Shortcuts to send Wallet transactions to Expenses. - Payment notifications: Send notifications from your banking apps to Expenses, and the on-device model turns them into transactions. Card and account numbers are hidden before reading. (Requires iOS 27) - Youβre in control: Review, categorize, and confirm imported transactions. If a notification canβt be read, itβs kept for you to review or retry. # Accounts & Categories Organize your finances with accounts and categories that fit your needs. - Transfers: Move money between accounts in one step. Transfers stay out of your income, expenses, and reports. - Opening balances: Start an account from its current balance and see it grow from there. - Dedicated views: Browse accounts and categories, with income and expense categories kept separate. - Category cards: See your categories at a glance in a grid. - Sorting: Sort categories by name, total amount, or transaction count. - Customization: Give accounts and categories their own colors and emojis. - Category exclusion: Leave selected categories out of analytics. # Analytics & Reports See where your money goes and explore the trends that matter to you. - Time periods: Choose a period and compare it with the previous one. - Custom reports: Create reports for spending trends, top expenses, recurring costs, and more. - Your favorites: Pin reports to Analytics and choose a compact or full-width view. - Account and category insights: Explore charts and spending trends in each account or category. - Monthly overview: See expense and income totals on the Home tab. - Assistant: Ask questions about your finances on devices that support Apple Intelligence. # Home Screen Widgets Check your spending or savings at a glance. - Customizable totals: Choose yearly, monthly, or weekly views. - Dark Mode: Widgets match your deviceβs appearance. # Fast & Intuitive Interface Use swipe actions and context menus to manage accounts, categories, and transactions. - Unified search: Find transactions, accounts, and categories in one place. - Search filters: Narrow transactions by account, category, or date. # Settings Tailor Expenses to the way you track your money. - Flexible features: Turn off income tracking, accounts, or charts if you donβt need them. - Daily reminders: Get a prompt to log your transactions. - Backup and import: Save and restore your data, including custom reports. # Your Language Use Expenses in English, Italian, French, German, Spanish, Portuguese, Hungarian, Hindi, Japanese, Korean, Chinese (Simplified and Traditional), or Arabic. # Dark Mode Enjoy a clear interface day or night with full Dark Mode support. # iCloud Sync Keep your data up to date across your Apple devices. - Sync status: Check your iCloud setup and sync status in Settings. # Terms of Use (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Paylendar
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See what you plan to spend, what you've paid and what's left to pay. Paylendar brings bills, subscriptions, income and reminders together in one place. Full statistics with Premium help you make sense of your planned expenses. SEE MORE THAN A LIST OF BILLS β’ Review planned expenses for a month, three months or a year. β’ Compare amounts across months and with the previous period. β’ See planned amounts, recorded payments and what's left to pay. β’ Explore an expense breakdown by primary tag. A limited statistics preview is available without Premium. FEWER DATES TO REMEMBER Add rent, subscriptions, installments and other bills. Set up a recurring payment once, and Paylendar schedules the next dates. Add one-time payments, salary and other income too. Set reminders for a time that suits you and check upcoming and overdue payments. TRACK PAYMENTS AS YOU MAKE THEM β’ Record partial payments, review their history and see how much is left to pay. β’ Keep planned and actually paid amounts separate. Correct a recorded payment when needed. β’ Add a payment before you know the amount and fill it in later. β’ Adjust the total amount even after recording partial payments. β’ Choose the actual payment date when settling an overdue bill. FLEXIBLE RECURRING PAYMENTS Set a series to end after a chosen number of payments and follow its progress. Change the amount for one payment or for that payment and the ones that follow. Skip individual payments and restore them while keeping their history. ORGANIZE IT YOUR WAY Browse due dates in the calendar. Organize plans with accounts and tags, add notes, links or your own images. Find what you need with search and filters. YOUR PLAN, ACROSS YOUR DEVICES Use Paylendar on iPhone, iPad and Mac. Premium unlocks full statistics, widgets and sync through your private iCloud storage. CHECK BILLS ON APPLE WATCH See upcoming payments and mark them as completed on an Apple Watch paired with your iPhone. The Apple Watch companion is available without Premium. NO ADS. NO SEPARATE ACCOUNT. Your plans stay available offline too. You enter your information manually. Paylendar does not import bank transactions or make payments for you. Download Paylendar and add your first bill. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is device support: Paylendar at 4 against Effective Expenses's 2. On price, update cadence, ads and in-app purchases 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
Both are free to download. Effective Expenses sells 2 in-app purchases, starting at $0.49 per month and Paylendar sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.
Effective Expenses ships an update fortnightly, Paylendar every 10 days. The most recent releases landed on October 30, 2026 and November 6, 2026 respectively.
| Parameter | Effective Expenses | Paylendar |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | β |
| Update frequency | Fortnightly | Every 10 days β better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | β |
| Devices | iPhone, iPad | iPhone, iPad, Mac, Apple Watch β better |
| Requires iOS | 26.0 | 26.0 |
| Further details β not scored | ||
| Size | 8 MB | 29 MB |
| Age rating | 4+ | 4+ |
| Developer | Francesco Papagno | Jan Kazubski |
In-app purchases
Effective Expenses
- Monthly subscription$0.491 Month
- Yearly subscription$4.991 Year
Paylendar
- Paylendar Premium Monthly14 Days trial$1.991 Month
- Paylendar Premium Yearly14 Days trial$9.991 Year
- Paylendar Premium Lifetime$16.99
Questions
Is Effective Expenses free?
Is Paylendar free?
Do Effective Expenses or Paylendar have ads?
Which is updated more often, Effective Expenses or Paylendar?
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