# Cadence Money vs Payback+

The clearest difference is in-app purchases: Payback+ at none against Cadence Money's 3. Payback+ also leads on iOS requirement (15.0 vs 17.0). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Cadence Money sells 3 in-app purchases, starting at $33.99 per year. Payback+ asks for nothing beyond the download.

Cadence Money ships an update every 3 days, Payback+ every 2 days. Both last shipped on October 31, 2026.

## The numbers

| Metric | Cadence Money | Payback+ |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 days | **Every 2 days** |
| Monetization | Freemium | — |
| Size | 20 MB | 74 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cadence Money Inc.](https://appshunter.io/developer/1880560454) | [Payback Tech Limited](https://appshunter.io/developer/6798634541) |

## What reviewers say

### Cadence Money

[App page](https://appshunter.io/ios/app/cadence-money-budget-tracker/id6759767290)

This app simplifies personal finance by tracking income, bills, and cash flow. Visualize net worth, set financial goals, and understand spending habits with customizable reports and household sharing. Connect bank accounts or manually input data for comprehensive financial management.

**Highlights:** Budgeting (monthly, annual, out-of-pocket), Bill and income tracking with alerts, Net worth visualization (assets & debts), Financial goal setting and tracking, Spending analysis by category, Household sharing for up to 5 members, Cross-platform sync (iOS, Web)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Cadence | $33.99 | per year |
| Cadence+ | $53.99 | per year |
| Cadence Premium | $94.99 | per year |


### Payback+

[App page](https://appshunter.io/ios/app/payback-plus/id6798634539)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Cadence Money free?

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

### Is Payback+ free?

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

### Do Cadence Money or Payback+ have ads?

Neither Cadence Money nor Payback+ shows ads.

### Which is updated more often, Cadence Money or Payback+?

Cadence Money ships an update every 3 days, and Payback+ every 2 days. Most recently, Cadence Money was updated on October 31, 2026 and Payback+ 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.*