# Panda Pay vs Nine2Five

The clearest difference is in-app purchases: Panda Pay at none against Nine2Five's 3. Panda Pay also leads on ratings volume (1.7K vs 3) and update cadence (every 3 days vs fortnightly). Nine2Five's advantage is rating (5.0 vs 4.7) and device support (3 vs 1). On price and ads there is nothing between them.

Both are free to download. Nine2Five sells 3 in-app purchases, starting at $2.99 per month. Panda Pay asks for nothing beyond the download.

Nine2Five holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Panda Pay has 1.7K ratings behind it against 3, so its average is the more settled of the two.

Panda Pay ships an update every 3 days, Nine2Five fortnightly. The most recent releases landed on November 9, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Panda Pay | Nine2Five |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (1.7K ratings)](https://appshunter.io/ios/app/panda-pay-financial-insights/id6759538366/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/nine2five-paycheck-tracker/id6769925589/reviews)** |
| Number of ratings | **1.7K** | 3 |
| Positive reviews | 22.4% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 3 days** | Fortnightly |
| Monetization | Subscription | **Free** |
| Best chart rank | **#147** | — |
| Size | 33 MB | 33 MB |
| Requires iOS | 17 | **15.1** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Radiant Union LLC](https://appshunter.io/developer/1879372293) | [Benjamin Slapelis](https://appshunter.io/developer/1869496373) |

## What reviewers say

### Panda Pay

[App page](https://appshunter.io/ios/app/panda-pay-financial-insights/id6759538366)

**Currently charting:** #147 Top Free · Finance (US App Store)

Manage your finances, track spending, and monitor bills with this app. It offers insights into your cash flow and provides eligible users with a cash advance of up to $100.

**Highlights:** Spending tracking by category, Bill and subscription monitoring, Cash advance up to $100, Bank connection via Plaid, Income vs. expense breakdowns, Balance trend analysis

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

**In-app purchases:** none


### Nine2Five

[App page](https://appshunter.io/ios/app/nine2five-paycheck-tracker/id6769925589)

Track your real-time earnings, overtime, and payday countdown. Visualize your budget coverage and projected yearly income. Ideal for hourly workers and freelancers to manage their finances.

**Highlights:** Live earnings ticker, Overtime tracking, Payday countdown, Budget coverage visualization, Work history log, Projected yearly earnings calculator

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Nine2Five Monthly | $2.99 | per month |
| Nine2Five Yearly | $24.99 | per year |
| Nine2Five Lifetime | $59.99 | one-time |


## Frequently asked questions

### Is Panda Pay free?

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

### Is Nine2Five free?

Nine2Five is free to download, with in-app purchases available.

### Which has better reviews, Panda Pay or Nine2Five?

Nine2Five is rated higher. Panda Pay averages 4.7 out of 5 from 1.7K ratings, while Nine2Five averages 5.0 from 3 ratings.

### Do Panda Pay or Nine2Five have ads?

Neither Panda Pay nor Nine2Five shows ads.

### Which is updated more often, Panda Pay or Nine2Five?

Panda Pay ships an update every 3 days, and Nine2Five fortnightly. Most recently, Panda Pay was updated on November 9, 2026 and Nine2Five 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.*