# Savings Challenge vs Payday Timer

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.

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.

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.

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.

## The numbers

| Metric | Savings Challenge | Payday Timer |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (128 ratings)](https://appshunter.io/ios/app/savings-challenge-savvy-goals/id6746079977/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/payday-timer-paycheck-tracker/id6758225867/reviews)** |
| Number of ratings | **128** | 3 |
| Positive reviews | 70.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 56 MB | 7 MB |
| Requires iOS | **14.0.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [East Frisia LLC](https://appshunter.io/developer/547826578) | [Jonathan Burks](https://appshunter.io/developer/1822879152) |

## What reviewers say

### Savings Challenge

[App page](https://appshunter.io/ios/app/savings-challenge-savvy-goals/id6746079977)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium - Weekly | $3.99 | per 7 days |
| Premium - Yearly Discount | $9.99 | per year |
| Premium - Monthly | $9.99 | per month |
| Premium - Yearly | $19.99 | per year |
| Premium - Lifetime | Free | one-time |


### Payday Timer

[App page](https://appshunter.io/ios/app/payday-timer-paycheck-tracker/id6758225867)

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

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*