# FinDiscipline vs CentPay

The clearest difference is in-app purchases: CentPay at none against FinDiscipline's 2. CentPay also leads on update cadence (every 11 days vs every 3 months). FinDiscipline's advantage is iOS requirement (13.0 vs 15.0). On price, ads and device support there is nothing between them.

Both are free to download. FinDiscipline sells 2 in-app purchases, starting at $4.99 per month. CentPay asks for nothing beyond the download.

FinDiscipline ships an update every 3 months, CentPay every 11 days. The most recent releases landed on October 10, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | FinDiscipline | CentPay |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 11 days** |
| Size | 25 MB | 37 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Aryan Mishra](https://appshunter.io/developer/1842371970) | [CENTFX Limited](https://appshunter.io/developer/1792239795) |

## What reviewers say

### FinDiscipline

[App page](https://appshunter.io/ios/app/findiscipline/id6753079227)

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $4.99 | per month |
| Monthly | $49.99 | per month |


### CentPay

[App page](https://appshunter.io/ios/app/centpay/id6758323521)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is FinDiscipline free?

FinDiscipline is free to download, with in-app purchases available.

### Is CentPay free?

CentPay is free to download, with no in-app purchases.

### Do FinDiscipline or CentPay have ads?

Neither FinDiscipline nor CentPay shows ads.

### Which is updated more often, FinDiscipline or CentPay?

FinDiscipline ships an update every 3 months, and CentPay every 11 days. Most recently, FinDiscipline was updated on October 10, 2026 and CentPay on October 14, 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.*