Comparison

ToSpend vs PayPay

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

Head to head
About

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 – Track all your monthly and yearly costs in one place. β€’ One-time expenses – Plan ahead for larger purchases. β€’ Countdown to due date – See how many days are left until the next expense is due. β€’ Paid archive – Browse a full history of past expenses, grouped by month and year. β€’ Someday list – Save potential purchases without setting a date. β€’ Categories – Organize expenses by category to keep things structured. β€’ Reminders – Get notified before expenses are due. β€’ No login – Download ToSpend and just get started. It can be this simple. β€’ iCloud – 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/)

About

PayPay

Features
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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 you’re 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

ToSpend4 screens
PayPay4 screens

Verdict

The call

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

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.

UpkeepUpdate frequency

ToSpend ships an update fortnightly, PayPay every 3 days. The most recent releases landed on September 22, 2026 and July 19, 2026 respectively.

Scorecard2 real differences Β· 4 level
ToSpend versus PayPay: the parameters behind the verdict, then further details
ParameterToSpendPayPay
PriceFreeFree
Update frequencyFortnightlyEvery 3 days β€” better
AdsNoNo
In-app purchasesYesYes
DevicesiPhoneiPhone, iPod β€” better
Requires iOS18.015.1 β€” better
Further details β€” not scored
Size28 MB42 MB
Age rating4+4+
DeveloperFabian RadeckeDaniyel Muradzian

In-app purchases

3 purchases

ToSpend

Subscriptions2
  • Monthly$1.991 Month
  • Yearly$17.991 Year
One-time1
  • Lifetime$34.99
2 purchases

PayPay

Subscriptions2
  • PayPay Premium$2.991 Month
  • PayPay Premium$29.991 Year

Questions

Is ToSpend free?
ToSpend is free to download, with in-app purchases available.
Is PayPay free?
PayPay is free to download, with in-app purchases available.
Do ToSpend or PayPay have ads?
Neither ToSpend nor PayPay shows ads.
Which is updated more often, ToSpend or PayPay?
ToSpend ships an update fortnightly, and PayPay every 3 days. Most recently, ToSpend was updated on September 22, 2026 and PayPay on July 19, 2026.

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