# Effective Expenses vs Paylendar

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.

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.

## The numbers

| Metric | Effective Expenses | Paylendar |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 10 days** |
| Monetization | Freemium | — |
| Size | 8 MB | 29 MB |
| Requires iOS | 26.0 | 26.0 |
| Devices | iPhone, iPad | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Francesco Papagno](https://appshunter.io/developer/1767909079) | [Jan Kazubski](https://appshunter.io/developer/1808076939) |

## What reviewers say

### Effective Expenses

[App page](https://appshunter.io/ios/app/effective-expenses/id6677000206)

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.

**Highlights:** 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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly subscription | $0.49 | per month |
| Yearly subscription | $4.99 | per year |


### Paylendar

[App page](https://appshunter.io/ios/app/paylendar-bill-tracker/id6802406882)

**Features:** Apple Watch app, Vision Pro support, iPhone Duo support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Paylendar Premium Monthly | $1.99 | per month |
| Paylendar Premium Yearly | $9.99 | per year |
| Paylendar Premium Lifetime | $16.99 | one-time |


## Frequently asked questions

### Is Effective Expenses free?

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

### Is Paylendar free?

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

### Do Effective Expenses or Paylendar have ads?

Neither Effective Expenses nor Paylendar shows ads.

### Which is updated more often, Effective Expenses or Paylendar?

Effective Expenses ships an update fortnightly, and Paylendar every 10 days. Most recently, Effective Expenses was updated on October 30, 2026 and Paylendar on November 6, 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.*