# PayTracker vs SpendByMe

The clearest difference is ads: SpendByMe at none against PayTracker's shown. SpendByMe also leads on update cadence (every 5 days vs every 10 days). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Both are free to download. PayTracker sells 2 in-app purchases, starting at $1.99 per month and SpendByMe sells 7 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

PayTracker ships an update every 10 days, SpendByMe every 5 days. The most recent releases landed on October 8, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | PayTracker | SpendByMe |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | — | 58.8% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 10 days | **Every 5 days** |
| Monetization | — | Free with in-app purchases |
| Size | 6 MB | 90 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Hiroto Nakamura](https://appshunter.io/developer/1845758525) | [Abhinav Ranjan Jha](https://appshunter.io/developer/1890999305) |

## What reviewers say

### PayTracker

[App page](https://appshunter.io/ios/app/paytracker-visualize-payment/id6754894020)

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PayTracker Pro (Monthly) | $1.99 | per month |
| PayTracker Pro (Annual) | $17.99 | per year |


### SpendByMe

[App page](https://appshunter.io/ios/app/spendbyme/id6761703663)

Effortlessly manage your finances with an AI-powered app that automatically tracks expenses, subscriptions, and bills by analyzing SMS and email. Gain clarity on your spending without manual entry, organize transactions with smart categorization, and monitor credit card usage and upcoming payments.

**Highlights:** Automatic expense tracking via SMS/email, Smart expense categorization, Credit card bill and due date tracking, Subscription, loan, and EMI tracker, Expense splitting with friends/couples, Budget planner and goal tracking, Spending map and insights

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendByMe Pro - Monthly | $1.99 | per month |
| Spendbyme Plus Monthly | $3.99 | per month |
| Spendbyme Max Monthly | $7.99 | per month |
| SpendByMe Pro 6 Months | $7.99 | per 6 months |
| SpendByMe Pro 1 Year | $14.99 | per year |
| Spendbyme Plus Yearly | $29.99 | per year |
| Spendbyme Max Yearly | $59.99 | per year |


## Frequently asked questions

### Is PayTracker free?

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

### Is SpendByMe free?

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

### Do PayTracker or SpendByMe have ads?

PayTracker shows ads; SpendByMe does not.

### Which is updated more often, PayTracker or SpendByMe?

PayTracker ships an update every 10 days, and SpendByMe every 5 days. Most recently, PayTracker was updated on October 8, 2026 and SpendByMe on October 11, 2026.

---

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