# PayoCard vs ExpenseSpy

The clearest difference is in-app purchases: PayoCard at none against ExpenseSpy's 2. PayoCard also leads on iOS requirement (13.0 vs 15.0). ExpenseSpy's advantage is update cadence (weekly vs every 2 months). On price, ads and device support there is nothing between them.

Both are free to download. ExpenseSpy sells 2 in-app purchases, starting at $4.99 per month. PayoCard asks for nothing beyond the download.

PayoCard ships an update every 2 months, ExpenseSpy weekly. The most recent releases landed on October 30, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | PayoCard | ExpenseSpy |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Weekly** |
| Size | 40 MB | 87 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MeaWallet AS](https://appshunter.io/developer/924533344) | [Cevdet Dogukan Korkmaz](https://appshunter.io/developer/1896481409) |

## What reviewers say

### PayoCard

[App page](https://appshunter.io/ios/app/payocard/id6740332696)

**Features:** macOS Compatibility

**In-app purchases:** none


### ExpenseSpy

[App page](https://appshunter.io/ios/app/expensespy/id6767501899)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| ExpenseSpy Premium Monthly | $4.99 | per month |
| ExpenseSpy Premium Yearly | $49.99 | per year |


## Frequently asked questions

### Is PayoCard free?

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

### Is ExpenseSpy free?

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

### Do PayoCard or ExpenseSpy have ads?

Neither PayoCard nor ExpenseSpy shows ads.

### Which is updated more often, PayoCard or ExpenseSpy?

PayoCard ships an update every 2 months, and ExpenseSpy weekly. Most recently, PayoCard was updated on October 30, 2026 and ExpenseSpy on October 28, 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.*