Comparison

Paycheck by Paycheck vs Payday

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

Paycheck by Paycheck

Features
Read full description

Budget by paycheck, not by month. Plan bills, savings, and spending around your actual pay schedule. Know what’s safe to spend before payday and give every paycheck a purpose. β€’ Bill planning β€’ Spending envelopes β€’ Savings goals β€’ Future expense planning β€’ Safe-to-spend tracking Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://paycheckbypaycheck.com/privacy

About

Payday

Read full description

Payday is a focused paycheck budgeting app that helps you know what your money can do before payday arrives. Use zero-based budgeting to plan every paycheck, map upcoming bills, assign money to categories, and see a clear Safe to Spend amount after your allocations and personal cushion. With Payday, you can: Build a paycheck plan in minutes Track weekly, biweekly, semi-monthly, or monthly income Add recurring paychecks and plan ahead Map bills to the paycheck or category covering them View your cash flow in Timeline and Calendar Track allocations, uncovered bills, and low-cushion weeks Export plans as PDF or CSV Use Dark, Light, or System appearance Protect access with Face ID Keep your financial data private without bank syncing No complicated spreadsheets. No guessing what is safe to spend. Payday helps you give every dollar a job and make your money feel more predictable. Start with your next paycheck and build a plan you can trust. https://socialreporthq.com/payday/terms

Screenshots

Paycheck by Paycheck3 screens
Payday4 screens

Verdict

The call

The clearest difference is update cadence: Paycheck by Paycheck at fortnightly against Payday's monthly. Paycheck by Paycheck also leads on iOS requirement (15.1 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Paycheck by Paycheck sells 2 in-app purchases, starting at $5.99 per month and Payday sells 2 in-app purchases, starting at $7.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Paycheck by Paycheck ships an update fortnightly, Payday monthly. The most recent releases landed on October 31, 2026 and October 25, 2026 respectively.

Scorecard2 real differences Β· 4 level
Paycheck by Paycheck versus Payday: the parameters behind the verdict, then further details
ParameterPaycheck by PaycheckPayday
PriceFreeFree
Update frequencyFortnightly β€” betterMonthly
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPad, iPod β€” betteriPhone, iPad
Requires iOS15.1 β€” better17.0
Further details β€” not scored
Size65 MB18 MB
Age rating4+4+
DeveloperDAVID ANDREW LIVINGSTONRAPHAEL MOMANYI

In-app purchases

2 purchases

Paycheck by Paycheck

Subscriptions2
  • Monthly Subscription14 Days trial$5.991 Month
  • Annual Subscription14 Days trial$49.991 Year
2 purchases

Payday

Subscriptions2
  • Monthly Plan$7.991 Month
  • Yearly Plan3 Days trial$59.991 Year

Questions

Is Paycheck by Paycheck free?
Paycheck by Paycheck is free to download, with in-app purchases available.
Is Payday free?
Payday is free to download, with in-app purchases available.
Do Paycheck by Paycheck or Payday have ads?
Neither Paycheck by Paycheck nor Payday shows ads.
Which is updated more often, Paycheck by Paycheck or Payday?
Paycheck by Paycheck ships an update fortnightly, and Payday monthly. Most recently, Paycheck by Paycheck was updated on October 31, 2026 and Payday on October 25, 2026.

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