# Smart Finances vs Last Payment

The clearest difference is update cadence: Smart Finances at weekly against Last Payment's every 3 weeks. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Smart Finances sells 4 one-off in-app purchases and Last Payment sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Smart Finances ships an update weekly, Last Payment every 3 weeks. The most recent releases landed on October 24, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Smart Finances | Last Payment |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/last-payment-bill-tracker/id6759302783/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Weekly** | Every 3 weeks |
| Monetization | — | Freemium |
| Size | 52 MB | 60 MB |
| Requires iOS | **15.1** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Alex Rodriguez](https://appshunter.io/developer/1775480344) | [Emre Balli](https://appshunter.io/developer/1635136655) |

## What reviewers say

### Smart Finances

[App page](https://appshunter.io/ios/app/smart-finances/id6737455994)

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| A Lollipop | $0.99 | one-time |
| A Chocolate Bar | $1.99 | one-time |
| A Cup of Coffee | $2.99 | one-time |
| A Burger Meal | $5.99 | one-time |


### Last Payment

[App page](https://appshunter.io/ios/app/last-payment-bill-tracker/id6759302783)

Securely track bills, subscriptions, and debts offline. Get timely reminders and an overview of upcoming, overdue, and paid expenses. Pro features offer advanced analytics and data export.

**Highlights:** Offline data privacy, Unlimited bill tracking, Flexible recurring payment setup, Upcoming, overdue, and paid expense overview, Customizable reminders, Spending analytics, Export to CSV & PDF

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Last Payment Pro Monthly | $3.99 | per month |
| Last Payment Pro Yearly | $19.99 | per year |


## Frequently asked questions

### Is Smart Finances free?

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

### Is Last Payment free?

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

### Do Smart Finances or Last Payment have ads?

Neither Smart Finances nor Last Payment shows ads.

### Which is updated more often, Smart Finances or Last Payment?

Smart Finances ships an update weekly, and Last Payment every 3 weeks. Most recently, Smart Finances was updated on October 24, 2026 and Last Payment on October 31, 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.*