Comparison

Money Clock vs Overtime Live

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Money Clock

Visualize your income in real-time as it grows second by second. This app helps you track earnings, calculate payments instantly, and stay motivated by watching your progress. It's ideal for anyone who wants a clear overview of their financial flow.

Highlights
  • Real-time income tracking
  • Instant pay calculation
  • Customizable rates and payments
  • Motivational progress visualization
  • Payment tracking for money owed
  • Earnings notifications
Features
Read full description

Track and manage your pay and payments in real-time with Money Clock - Live Pay Tracker. Watch your income grow as you work, motivating you with every second of progress! Key Features: • Real-Time Tracking: See your pay grow second by second. • Instant Pay Calculator: Calculate earnings or payments instantly. • Customizable Settings: Adjust rates, hours, and payments easily. • Motivational Tracker: Watch your progress as you work. • Notifications: Stay on top of due payments and earnings changes. • Track Payments to Others: Easily manage what you owe or are paying. Perfect for workers, freelancers, and business owners: Whether you’re working hourly or paying employees, Money Clock keeps you motivated by showing your earnings grow in real-time. Download Money Clock - Live Pay Tracker today and watch your pay grow as you work! Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Overtime Live

Track your earnings in real-time directly on your iPhone Lock Screen. This app visualizes your pay, overtime, and take-home pay after estimated taxes. It helps manage complex pay structures and plan your schedule.

Highlights
  • Live earnings on Lock Screen
  • Real-time pay calculation
  • Take-home pay estimator
  • Overtime and unsocial hours tracking
  • Rota planning and calendar sync
  • Shift insights and goal tracking
  • Data export (CSV)
Features
Read full description

Know exactly what every shift is worth. Watch your pay tick up live on your Lock Screen, plan your work schedule in seconds and see your take-home pay before you say yes to overtime. Built by a shift worker, for shift workers. Free, no subscription, no sign-up. YOUR EARNINGS, LIVE ON THE LOCK SCREEN The moment you start a shift, a Live Activity shows your pay ticking up and the time left, without opening the app. On iPhone 14 Pro and later it appears in the Dynamic Island too. WATCH YOUR PAY TICK UP Enter your hourly rate and Overtime Live counts your earnings up second by second, with overtime tracked separately from regular hours. KNOW YOUR REAL TAKE-HOME PAY See past the gross figure. The What-If calculator compares hours, rate and estimated take-home pay before you accept a shift, and the Take Home Pay card estimates what you actually keep after tax. Set your pay period to weekly, biweekly, monthly or a custom date and track every payday. BUILT FOR SHIFT WORK Handle the pay that office apps ignore: overtime multipliers like time and a half and double time, shift differentials, on-call days with separate callback pay, flat-rate sleep-ins, shifts with no set end that count up until you finish, and custom rates for any arrangement. Split a shift across different rates or an unpaid break and track comp time. Add expenses and receipt photos to any shift. PLAN YOUR SCHEDULE IN SECONDS Pick a popular rotation such as DuPont, Pitman or 4 on 4 off, or build your own and fill in weeks or months ahead. Save your usual shifts as templates, set reminders and see everything in month, week, day, agenda or full-screen calendar views. Overlap warnings, schedule export and iPhone calendar sync included. INSIGHTS, STATS & GOALS Explore a 12-month hours and earnings heatmap, track totals and averages, set a yearly goal and unlock achievements as your shifts add up. On compatible iPhones, optional Apple Intelligence creates a short personalized briefing on-device. YOUR DATA, YOUR WAY Your shift, pay and goal data stays on your device. Optional iCloud backup uses your personal iCloud account and keeps earlier copies automatically, so you can restore if you need to. Export your hours and pay history as CSV or a monthly PDF for taxes or bookkeeping. FREE, WITH AN OPTIONAL ONE-TIME PRO UNLOCK Shift tracking, live earnings, your schedule calendar, stats and iCloud backup are free. Your first 30 days include every Pro feature. After that, a one-time Pro purchase removes ads, adds the Apple Watch app and lifts the limits on What-If calculations, exports, expenses and pay period tracking. No subscription. WHO IT'S FOR Nurses, CNAs and caregivers. Police, EMTs and firefighters. Retail, restaurant and warehouse workers. Security, delivery drivers and gig workers. Anyone paid by the hour who wants to see what their time is really worth. Available in English, German, Spanish and Chinese (Simplified and Traditional). Download Overtime Live and make every hour count.

Screenshots

Money Clock4 screens
Overtime Live4 screens

Verdict

The call

The clearest difference is monetization model: Money Clock at ad-supported against Overtime Live's free with in-app purchases. Money Clock also leads on iOS requirement (13.0 vs 15.6). On price, rating, ratings volume and update cadence 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Money Clock sells 1 in-app purchase, starting at $1.99 per month and Overtime Live sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Money Clock against 5.0 for Overtime Live. Both are backed by a comparable volume of ratings — 4 and 4 respectively.

UpkeepUpdate frequency

Money Clock ships an update monthly, Overtime Live every 3 weeks. The most recent releases landed on September 14, 2026 and October 8, 2026 respectively.

Scorecard2 real differences · 8 level
Money Clock versus Overtime Live: the parameters behind the verdict, then further details
ParameterMoney ClockOvertime Live
PriceFreeFree
Rating5.0 (4 ratings)5.0 (4 ratings)
Positive reviews—100.0% of reviews
Number of ratings44
Update frequencyMonthlyEvery 3 weeks — better
AdsYesYes
In-app purchasesYesYes
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod, Apple Watch — better
Requires iOS13.0 — better15.6
Further details — not scored
Size188 MB59 MB
Age rating4+4+
DeveloperUrban PluggedAndy Mesa

Customer experience

Money Clock

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Overtime Live

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews15 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

Money Clock

Subscriptions1
  • MoneyClock Premium$1.991 Month
1 purchases

Overtime Live

One-time1
  • Overtime Live Pro$1.99

Questions

Is Money Clock free?
Money Clock is free to download, with in-app purchases available.
Is Overtime Live free?
Overtime Live is free to download, with in-app purchases available.
Which has better reviews, Money Clock or Overtime Live?
Money Clock and Overtime Live are both rated 5.0 out of 5 on the App Store, from 4 and 4 ratings respectively.
Do Money Clock or Overtime Live have ads?
Both Money Clock and Overtime Live show ads.
Which is updated more often, Money Clock or Overtime Live?
Money Clock ships an update monthly, and Overtime Live every 3 weeks. Most recently, Money Clock was updated on September 14, 2026 and Overtime Live on October 8, 2026.

Other comparisons