# Hoypay vs Vaultam

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.

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.

## The numbers

| Metric | Hoypay | Vaultam |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/vaultam/id6752839598/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 11 days** |
| Monetization | — | Freemium |
| Size | 64 MB | 30 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Neil Marc Mejia](https://appshunter.io/developer/1764735414) | [MAYDAY APP](https://appshunter.io/developer/1417469891) |

## What reviewers say

### Hoypay

[App page](https://appshunter.io/ios/app/hoypay/id6742076148)

**Features:** macOS Compatibility

**In-app purchases:** none


### Vaultam

[App page](https://appshunter.io/ios/app/vaultam/id6752839598)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1-Month Pro | $3.99 | per month |
| 1-year | $39.99 | per year |


## Frequently asked questions

### Is Hoypay free?

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

### Is Vaultam free?

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

### Do Hoypay or Vaultam have ads?

Neither Hoypay nor Vaultam shows ads.

### Which is updated more often, Hoypay or Vaultam?

Hoypay ships an update every 3 weeks, and Vaultam every 11 days. Most recently, Hoypay was updated on October 28, 2026 and Vaultam on October 24, 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.*