# PayCheck Budget vs Split My Paycheck

The clearest difference is rating: Split My Paycheck at 5.0 against PayCheck Budget's 4.4. Split My Paycheck also leads on in-app purchases (none vs 2) and update cadence (every 6 days vs every 4 weeks). PayCheck Budget's advantage is ratings volume (12 vs 2) and device support (3 vs 1). On price, ads and iOS requirement there is nothing between them.

Both are free to download. PayCheck Budget sells 2 in-app purchases, starting at $7.99 per month. Split My Paycheck asks for nothing beyond the download.

Split My Paycheck holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: PayCheck Budget has 12 ratings behind it against 2, so its average is the more settled of the two.

PayCheck Budget ships an update every 4 weeks, Split My Paycheck every 6 days. The most recent releases landed on November 9, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | PayCheck Budget | Split My Paycheck |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (12 ratings)](https://appshunter.io/ios/app/paycheck-budget/id6755057631/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/split-my-paycheck-budget-tool/id6758065548/reviews)** |
| Number of ratings | **12** | 2 |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 6 days** |
| Monetization | Freemium | **Free** |
| Size | 22 MB | 7 MB |
| Requires iOS | 18.6 | **17.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Nathan Haring](https://appshunter.io/developer/1851630855) | [Jonathan Burks](https://appshunter.io/developer/1822879152) |

## What reviewers say

### PayCheck Budget

[App page](https://appshunter.io/ios/app/paycheck-budget/id6755057631)

This app helps users budget based on their pay cycle, whether weekly, biweekly, or monthly. It provides a cash flow forecast, safe-to-spend amounts, and allows for dual-income household planning. Features include receipt scanning and Apple Watch integration.

**Highlights:** Budget by paycheck, Cash flow forecast timeline, Safe-to-spend calculation, Dual-income household support, Receipt scanning, Apple Watch integration, Private iCloud sync

**Features:** macOS Compatibility, Family Sharing, Apple Watch app

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $7.99 | per month |
| Annual Subscription | $79.99 | per year |


### Split My Paycheck

[App page](https://appshunter.io/ios/app/split-my-paycheck-budget-tool/id6758065548)

Easily divide your income into a working budget using pre-set templates or custom categories. Track expenses in seconds and visualize your financial plan. No accounts, ads, or bank syncing required.

**Highlights:** Budget templates, Dollar allocation, Expense tracking, In-app tutorials, Data stays on device, No accounts or ads

**In-app purchases:** none


## Frequently asked questions

### Is PayCheck Budget free?

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

### Is Split My Paycheck free?

Split My Paycheck is free to download, with no in-app purchases.

### Which has better reviews, PayCheck Budget or Split My Paycheck?

Split My Paycheck is rated higher. PayCheck Budget averages 4.4 out of 5 from 12 ratings, while Split My Paycheck averages 5.0 from 2 ratings.

### Do PayCheck Budget or Split My Paycheck have ads?

Neither PayCheck Budget nor Split My Paycheck shows ads.

### Which is updated more often, PayCheck Budget or Split My Paycheck?

PayCheck Budget ships an update every 4 weeks, and Split My Paycheck every 6 days. Most recently, PayCheck Budget was updated on November 9, 2026 and Split My Paycheck on October 31, 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.*