Hoypay vs Vaultam
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Hoypay
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Managing subscriptions can be a hassle—HoyPay makes it easy! Whether it’s streaming services, utility bills, or gym memberships, we help you track, organize, and remind you before your payments are due. Say goodbye to surprise charges and hello to smarter budgeting!
Vaultam
Manage your personal finances with a powerful, offline ledger. Create smart budgets, track savings goals, and gain insights into spending patterns with AI. Log receipts, manage loans, and never miss a payment with automated reminders.
- Offline storage and local backups
- AI-powered spending insights
- Smart budgeting based on income
- Progress tracking for savings goals
- Automated bill and subscription reminders
- Receipt scanning
- Lending and borrowing tracking
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No accounts. No banks. No tracking. Just you, your money, and clarity. With Vaultam, you can: • Stay in control with one clear dashboard. • Create smart budgets based on your income. • Save for trips, gifts, and big purchases with progress tracking. • Discover spending patterns instantly with AI-powered insights. • Log receipts in seconds with a simple scan. • Track lending & borrowing between friends with ease. • Never miss a bill, salary, or subscription with automated reminders. • Keep everything secure with offline storage and local backups. Vaultam isn’t just another finance app. It’s a ledger reimagined for today — simple, powerful, and 100% offline. Your money, your rules. Always private. Always smart. Always with you. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://vaultam.app/privacy
Screenshots
Verdict
The clearest difference is in-app purchases: Hoypay at none against Vaultam's 2. Hoypay also leads on iOS requirement (12.0 vs 15.1). On price, update cadence, ads and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Vaultam sells 2 in-app purchases, starting at $3.99 per month. Hoypay asks for nothing beyond the download.
Hoypay ships an update every 3 weeks, Vaultam every 11 days. The most recent releases landed on October 28, 2026 and October 24, 2026 respectively.
| Parameter | Hoypay | Vaultam |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Number of ratings | — | 1 — better |
| Update frequency | Every 3 weeks | Every 11 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | — | Freemium |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 12.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 64 MB | 30 MB |
| Age rating | 4+ | 4+ |
| Developer | Neil Marc Mejia | MAYDAY APP |
In-app purchases
Hoypay
No in-app purchases
Vaultam
- 1-Month Pro$3.991 Month
- 1-year$39.991 Year
