# ToSpend vs PayPay

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.

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.

## The numbers

| Metric | ToSpend | PayPay |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 3 days** |
| Size | 28 MB | 42 MB |
| Requires iOS | 18.0 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Fabian Radecke](https://appshunter.io/developer/1825098334) | [Daniyel Muradzian](https://appshunter.io/developer/6775091391) |

## What reviewers say

### ToSpend

[App page](https://appshunter.io/ios/app/tospend-expense-tracker/id6748306509)

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $1.99 | per month |
| Yearly | $17.99 | per year |
| Lifetime | $34.99 | one-time |


### PayPay

[App page](https://appshunter.io/ios/app/paypay-bill-reminder/id6783971346)

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PayPay Premium | $2.99 | per month |
| PayPay Premium | $29.99 | per year |


## Frequently asked 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.

---

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