# GB Pay vs Smart Kharcha Book

The clearest difference is in-app purchases: GB Pay at none against Smart Kharcha Book's 4. GB Pay also leads on ads (none vs shown) and iOS requirement (12.0 vs 15.6). Smart Kharcha Book's advantage is update cadence (every 3 days vs every 6 weeks). On price and device support there is nothing between them.

Both are free to download. Smart Kharcha Book sells 4 in-app purchases, starting at $9.99 per year. GB Pay asks for nothing beyond the download.

GB Pay ships an update every 6 weeks, Smart Kharcha Book every 3 days. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | GB Pay | Smart Kharcha Book |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 6 weeks | **Every 3 days** |
| Size | 35 MB | 71 MB |
| Requires iOS | **12.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Government of Gilgit Baltistan](https://appshunter.io/developer/1803293105) | [Ashish Kumar Baghel](https://appshunter.io/developer/1724655665) |

## What reviewers say

### GB Pay

[App page](https://appshunter.io/ios/app/gb-pay/id6743520545)

**Features:** macOS Compatibility

**In-app purchases:** none


### Smart Kharcha Book

[App page](https://appshunter.io/ios/app/smart-kharcha-book/id6759986296)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Annual Plan | $9.99 | per year |
| Small Coffee Donation | $0.99 | one-time |
| Large Coffee Donation | $2.99 | one-time |
| Croissant & Coffee | $4.99 | one-time |


## Frequently asked questions

### Is GB Pay free?

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

### Is Smart Kharcha Book free?

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

### Do GB Pay or Smart Kharcha Book have ads?

Smart Kharcha Book shows ads; GB Pay does not.

### Which is updated more often, GB Pay or Smart Kharcha Book?

GB Pay ships an update every 6 weeks, and Smart Kharcha Book every 3 days. Most recently, GB Pay was updated on October 25, 2026 and Smart Kharcha Book 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.*