Comparison

Savings Challenge vs Payday Timer

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

Head to head
About

Savings Challenge

This app helps you achieve your financial goals through interactive and customizable savings challenges. Track your progress visually, enjoy rewarding animations, and manage multiple savings plans simultaneously. It's designed to make saving money engaging and tailored to your personal style.

Highlights
  • Flexible savings challenges (52 Week, 100 Envelopes, Custom)
  • Visual progress tracking with animations
  • Multiple goal management
  • Customizable color themes
  • Intelligent amount structuring options
  • Whole dollar savings
Features
Read full description

Transform your savings dreams into reality with Savvy Goals – the ultimate flexible savings app that makes achieving any financial target interactive, satisfying, and perfectly tailored to your style! Choose Your Savings Adventure - 52 Week Challenge: Build momentum with incremental weekly savings - 100 Envelopes Challenge: Make saving exciting with randomized amounts - Custom Challenges: Create your own personalized savings plan with any target amount and timeline Interactive & Rewarding Experience - Visual Progress Tracking: Watch colorful cards fill up as you save - Satisfying Animations: Enjoy "Pulse & Pop" effects with every tap - Haptic Feedback: Feel rewarded with each savings milestone - Color Customization: Personalize your progress with your favorite colors Intelligent Amount Structuring - Sequential Order: Start small and build momentum - Reverse Order: Tackle bigger amounts when motivation is high - Random Distribution: Add excitement to your savings routine - Even Distribution: Maintain steady, consistent contributions Smart Financial Management - Multiple Goal Tracking: Manage several savings challenges simultaneously - Grand Total Overview: See your complete savings progress at a glance - Whole Dollar Amounts: No more awkward pennies – save in clean dollar amounts - Progress Filtering: View all, started, or completed challenges Perfect For: - Major Life Goals: Down payments, emergency funds, debt payoff - Dream Vacations: Travel funds and experience savings - Gadgets & Hobbies: Electronics, equipment, and personal interests - Building Habits: Consistent saving routines and financial discipline Whether you're a savings beginner or managing multiple financial objectives, Savvy Goals adapts to your life, your goals, and your saving style. Stop just dreaming about your goals – start achieving them today! If there are questions, please contact us at support@eastfrisiallc.com Privacy Policy: https://www.eastfrisiallc.com/privacy-savingschallenges Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Payday Timer

Easily track your upcoming paychecks with a clear countdown to your next payday. Monitor earnings from multiple jobs, mark payments as received, and view detailed income history and statistics. All your paycheck information in one straightforward, ad-free app.

Highlights
  • Paycheck countdown with amount and date
  • Track multiple income sources
  • Mark paychecks as paid
  • View paycheck history
  • Earnings statistics and projections
  • Income graphs by source and time
Read full description

Payday Timer is the simplest way to count down to your next paycheck. Track every job, mark paychecks as paid, see your earnings grow, and know exactly when payday hits — all in one clean, straightforward app. No accounts. No ads. No bank syncing. Just the paycheck countdown you want. PAYCHECK COUNTDOWN Your next payday sits front and center with a clean day count, the paycheck amount, and the exact date you'll be paid. Add a second job, a side hustle, or any recurring income source and every paycheck shows up on the same screen in order of whoever's paid next. Weekly, biweekly, semi-monthly, or monthly — Payday Timer handles every pay schedule. PAID EARLY, ON TIME, OR LATE Every paycheck gets tagged based on when it actually hit versus when it was scheduled. See at a glance which jobs pay early, which pay on time, and which pay late. No other paycheck tracker gives you this level of insight into your income patterns. MARK AS PAID When a paycheck comes in, tap Mark as Paid and Payday Timer logs the date and rolls forward to your next one. Tap by mistake? One-tap undo. PAYCHECK HISTORY Every paycheck you mark as paid is saved to the History tab with the date, amount, source, and on-time status. Look back at any time to see what you've been paid, when, and from which job. EARNINGS STATS The Stats tab gives you a full picture of your income: year-to-date earnings, this month's total, paid-in-month tracking, projected yearly earnings based on your pay schedule, paycheck progress for the year, and a preview of your next three paydays. Every number you need to understand your income, in one scroll. INCOME GRAPHS The Graphs tab visualizes your earnings three ways: cumulative earnings with actual versus projected trajectory, monthly income by month, and income by source so you can see how each job contributes to your total. Watch your yearly earnings add up in real time. THE TOOLKIT Payday Timer works great on its own — and even better alongside our full suite of finance tools. Jump into Rent Due Timer to stay ahead of rent, BridgeBudget to manage your monthly finances, Split My Paycheck to divide your income into clear categories, and Pay Next to stay on top of every bill. DESIGNED FOR REAL PEOPLE No ads. No accounts. No bank logins. No subscriptions. Your data stays on your device. Whether you're counting down to your first paycheck, tracking hourly wages across multiple jobs, or watching your salary add up through the year, Payday Timer gives you the clearest view of when you're getting paid and how much. Download Payday Timer today and start counting down to your next paycheck.

Screenshots

Savings Challenge4 screens
Payday Timer4 screens

Verdict

The call

The clearest difference is in-app purchases: Payday Timer at none against Savings Challenge's 5. Payday Timer also leads on rating (5.0 vs 4.8). Savings Challenge's advantage is ratings volume (128 vs 3) and device support (3 vs 1). On price, update cadence and ads 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. Savings Challenge sells 5 in-app purchases, starting at $3.99 per 7 days. Payday Timer asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Payday Timer holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Savings Challenge has 128 ratings behind it against 3, so its average is the more settled of the two.

UpkeepUpdate frequency

Savings Challenge ships an update every 2 months, Payday Timer every 3 months. The most recent releases landed on November 8, 2026 and October 31, 2026 respectively.

Scorecard6 real differences · 4 level
Savings Challenge versus Payday Timer: the parameters behind the verdict, then further details
ParameterSavings ChallengePayday Timer
PriceFreeFree
Rating4.8 (128 ratings)5.0 (3 ratings) — better
Positive reviews70.0% of reviews—
Number of ratings128 — better3
Update frequencyEvery 2 months — betterEvery 3 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS14.0.0 — better17.0
Further details — not scored
Size56 MB7 MB
Age rating4+4+
DeveloperEast Frisia LLCJonathan Burks

Customer experience

Savings Challenge

All ratings125 ratings
Positive92.8%
Neutral2.4%
Negative4.8%
Written reviews10 reviews
Positive70.0%
Neutral10.0%
Negative20.0%

Payday Timer

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

5 purchases

Savings Challenge

Subscriptions4
  • Premium - Weekly$3.997 Days
  • Premium - Yearly Discount$9.991 Year
  • Premium - Monthly$9.991 Month
Show 1 more
  • Premium - Yearly3 Days trial$19.991 Year
One-time1
  • Premium - LifetimeFree
None

Payday Timer

No in-app purchases

Questions

Is Savings Challenge free?
Savings Challenge is free to download, with in-app purchases available.
Is Payday Timer free?
Payday Timer is free to download, with no in-app purchases.
Which has better reviews, Savings Challenge or Payday Timer?
Payday Timer is rated higher. Savings Challenge averages 4.8 out of 5 from 128 ratings, while Payday Timer averages 5.0 from 3 ratings.
Do Savings Challenge or Payday Timer have ads?
Neither Savings Challenge nor Payday Timer shows ads.
Which is updated more often, Savings Challenge or Payday Timer?
Savings Challenge ships an update every 2 months, and Payday Timer every 3 months. Most recently, Savings Challenge was updated on November 8, 2026 and Payday Timer on October 31, 2026.

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