ToSpend vs PayPay
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
ToSpend
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ToSpend gives you a clear overview of the expenses that actually matter, so you always know what is coming up and what you have already paid. FEATURES: β’ Recurring expenses β Track all your monthly and yearly costs in one place. β’ One-time expenses β Plan ahead for larger purchases. β’ Countdown to due date β See how many days are left until the next expense is due. β’ Paid archive β Browse a full history of past expenses, grouped by month and year. β’ Someday list β Save potential purchases without setting a date. β’ Categories β Organize expenses by category to keep things structured. β’ Reminders β Get notified before expenses are due. β’ No login β Download ToSpend and just get started. It can be this simple. β’ iCloud β All your data stays on your device and is backed up in your iCloud. - - - - Privacy Policy (https://www.tospend-app.com/app/data-privacy)Β Terms Of Use (https://www.apple.com/legal/internet-services/itunes/dev/stdeula/)
PayPay
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PayPay: Bill Reminder helps you stay on top of your finances by keeping all your bills, subscriptions, and recurring payments organized in one place. Never miss an important payment again. Create one-time or recurring reminders, customize your schedule, and receive notifications exactly when you need them. Features β’ Track bills, subscriptions, utilities, rent, insurance, and more β’ Flexible recurring payments (weekly, monthly, yearly, or custom) β’ Smart reminders and notifications β’ Beautiful calendar view β’ Organize payments with custom categories β’ Premium themes and personalized styles β’ Home Screen widgets β’ Simple, fast, and intuitive interface β’ Secure local data storage Premium Unlock even more powerful features: β’ Unlimited payments β’ Exclusive themes β’ Premium widgets β’ Advanced customization options Whether youβre managing personal bills or keeping track of monthly expenses, PayPay: Bill Reminder makes staying organized simple and stress-free. Download today and never forget a payment again Privacy Policy: https://... Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is update cadence: PayPay at every 3 days against ToSpend's fortnightly. PayPay also leads on iOS requirement (15.1 vs 18.0). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. ToSpend sells 3 in-app purchases, starting at $1.99 per month and PayPay sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.
ToSpend ships an update fortnightly, PayPay every 3 days. The most recent releases landed on September 22, 2026 and July 19, 2026 respectively.
| Parameter | ToSpend | PayPay |
|---|---|---|
| Price | Free | Free |
| Update frequency | Fortnightly | Every 3 days β better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Devices | iPhone | iPhone, iPod β better |
| Requires iOS | 18.0 | 15.1 β better |
| Further details β not scored | ||
| Size | 28 MB | 42 MB |
| Age rating | 4+ | 4+ |
| Developer | Fabian Radecke | Daniyel Muradzian |
In-app purchases
ToSpend
- Monthly$1.991 Month
- Yearly$17.991 Year
- Lifetime$34.99
PayPay
- PayPay Premium$2.991 Month
- PayPay Premium$29.991 Year





