# Toki vs Split My Paycheck

The clearest difference is in-app purchases: Split My Paycheck at none against Toki's 1. Toki's advantage is device support (3 vs 1). On price, update cadence, ads and iOS requirement there is nothing between them.

Both are free to download. Toki sells 1 one-off in-app purchase. Split My Paycheck asks for nothing beyond the download.

Toki ships an update every 5 days, Split My Paycheck every 6 days. Both last shipped on October 31, 2026.

## The numbers

| Metric | Toki | Split My Paycheck |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (2 ratings)](https://appshunter.io/ios/app/split-my-paycheck-budget-tool/id6758065548/reviews)** |
| Number of ratings | — | **2** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 6 days |
| Monetization | — | Free |
| Size | 11 MB | 7 MB |
| Requires iOS | 17 | 17.0 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone |
| Age rating | +4 | 4+ |
| Developer | [VICENTE CORDUA ALLENDE IRIARTE](https://appshunter.io/developer/1866373032) | [Jonathan Burks](https://appshunter.io/developer/1822879152) |

## What reviewers say

### Toki

[App page](https://appshunter.io/ios/app/toki-expense-tracker/id6757361622)

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited Pro Access | $4.99 | one-time |


### 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 Toki free?

Toki 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.

### Do Toki or Split My Paycheck have ads?

Neither Toki nor Split My Paycheck shows ads.

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

Toki ships an update every 5 days, and Split My Paycheck every 6 days. Most recently, Toki was updated on October 31, 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.*