# Paykko vs Tonji

The clearest difference is rating: Tonji at 5.0 against Paykko's 3.9. Paykko's advantage is update cadence (weekly vs every 3 weeks) and ratings volume (7 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Tonji holds the better App Store score, 5.0 against 3.9. That said, the two scores are not equally well evidenced: Paykko has 7 ratings behind it against 1, so its average is the more settled of the two.

Paykko ships an update weekly, Tonji every 3 weeks. The most recent releases landed on October 25, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Paykko | Tonji |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (7 ratings)](https://appshunter.io/ios/app/paykko/id6758107133/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/tonji/id6772150068/reviews)** |
| Number of ratings | **7** | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 88 MB | 32 MB |
| Requires iOS | 15 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Gara (apps)](https://appshunter.io/developer/1848598128) | [Paynala](https://appshunter.io/developer/1873045273) |

## What reviewers say

### Paykko

[App page](https://appshunter.io/ios/app/paykko/id6758107133)

This app modernizes traditional savings circles by making them digital, secure, and accessible. Save individually at your own pace or join groups to amplify your impact. Automated payments and a credit score system reward your consistency.

**Highlights:** Individual and group savings, Automated mobile money payments, Credit score building, Cross-border tontines, Flexible savings cycles

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

**In-app purchases:** none


### Tonji

[App page](https://appshunter.io/ios/app/tonji/id6772150068)

Easily create and manage group funds for any occasion, from birthdays to emergencies. Collect money directly via Mobile Money and track contributions in real-time. Share your fund with a simple link.

**Highlights:** Create funds in under a minute, Collect via Mobile Money, Real-time tracking of total and participants, Funds sent to chosen withdrawal number, Shareable via link, Private or public fund options, Secure registration and fraud prevention

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

**In-app purchases:** none


## Frequently asked questions

### Is Paykko free?

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

### Is Tonji free?

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

### Which has better reviews, Paykko or Tonji?

Tonji is rated higher. Paykko averages 3.9 out of 5 from 7 ratings, while Tonji averages 5.0 from 1 ratings.

### Do Paykko or Tonji have ads?

Neither Paykko nor Tonji shows ads.

### Which is updated more often, Paykko or Tonji?

Paykko ships an update weekly, and Tonji every 3 weeks. Most recently, Paykko was updated on October 25, 2026 and Tonji 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.*