Money Clock vs Overtime Live
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Real-time income tracking
- Instant pay calculation
- Customizable rates and payments
- Motivational progress visualization
- Payment tracking for money owed
- Earnings notifications
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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/
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.
- 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)
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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
Verdict
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
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.
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.
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.
| Parameter | Money Clock | Overtime Live |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (4 ratings) | 5.0 (4 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 4 | 4 |
| Update frequency | Monthly | Every 3 weeks — better |
| Ads | Yes | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Ad-supported — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod, Apple Watch — better |
| Requires iOS | 13.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 188 MB | 59 MB |
| Age rating | 4+ | 4+ |
| Developer | Urban Plugged | Andy Mesa |
Customer experience
Money Clock
Overtime Live
In-app purchases
Money Clock
- MoneyClock Premium$1.991 Month
Overtime Live
- Overtime Live Pro$1.99









