# PayLater vs LiveBudget

The clearest difference is review sentiment: LiveBudget at 100% against PayLater's 28%. LiveBudget also leads on rating (5.0 vs 3.4) and update cadence (every 3 days vs every 3 weeks). PayLater's advantage is in-app purchases (none vs 1) and ratings volume (321 vs 1). On price, ads and device support there is nothing between them.

Both are free to download. LiveBudget sells 1 in-app purchase, starting at $2.99 per month. PayLater asks for nothing beyond the download.

LiveBudget holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: PayLater has 321 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 28% of PayLater's written reviews are positive against 100% of LiveBudget's.

PayLater ships an update every 3 weeks, LiveBudget every 3 days. The most recent releases landed on November 12, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | PayLater | LiveBudget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (321 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/livebudget/id6801658461/reviews)** |
| Number of ratings | **321** | 1 |
| Positive reviews | 27.8% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 3 days** |
| Monetization | **Free** | Subscription |
| Size | 106 MB | 8 MB |
| Requires iOS | **15.6** | 18.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Pay Later](https://appshunter.io/developer/1754177617) | [Christopher Suazo](https://appshunter.io/developer/1891224561) |

## What reviewers say

### PayLater

[App page](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290)

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

**Highlights:** Split payments into 4 installments, Fast and easy onboarding, Secure PCI DSS-compliant transactions, Shop with a network of top retailers, Transparent fees, no hidden charges

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Trusted
- 👍 Great experience

**What reviewers complain about**

- 💡 No Arabic language support
- 💡 Low spending limit
- 🐛 Debit card not supported
- 🐛 OTP not received
- 🐛 Unable to delete app and restart

**Reported bugs**

- Login screen freezes
- Incompatible with older devices

**Requested features**

- Monthly payment reminder
- Higher spending limits


### LiveBudget

[App page](https://appshunter.io/ios/app/livebudget/id6801658461)

This app helps you manage your daily and weekly spending by connecting to your bank accounts. It organizes transactions, provides insights into where your money goes, and offers reminders for bills and purchases, all with a focus on simplicity and privacy.

**Highlights:** Daily and weekly budget tracking, Secure bank account syncing, Quick spend recording, Bill calendar and reminders, Spending insights by category, Lock screen widgets for budget view

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| LiveBudget Monthly | $2.99 | per month |


## Frequently asked questions

### Is PayLater free?

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

### Is LiveBudget free?

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

### Which has better reviews, PayLater or LiveBudget?

LiveBudget is rated higher. PayLater averages 3.4 out of 5 from 321 ratings, while LiveBudget averages 5.0 from 1 ratings.

### Do PayLater or LiveBudget have ads?

Neither PayLater nor LiveBudget shows ads.

### Which is updated more often, PayLater or LiveBudget?

PayLater ships an update every 3 weeks, and LiveBudget every 3 days. Most recently, PayLater was updated on November 12, 2026 and LiveBudget 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.*