Comparison

Monthly vs Paycle

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

Head to head
About

Monthly

This app helps you understand your real monthly budget by automatically accounting for fixed costs like rent and subscriptions. It provides clear statistics and payment reminders to help you manage your finances without manual entry.

Highlights
  • Automatic fixed cost calculation
  • Income and expense tracking
  • Payment reminders
  • Category-based spending statistics
  • CSV data export
  • Home screen widgets
Read full description

Monthly shows what’s left of your income after rent, bills, and subscriptions – without tracking every coffee. Add your income and recurring expenses once. Monthly uses their schedules and due dates to work out your budget. FIXED COSTS WITHOUT THE MATH Rent every month, insurance once a year: Monthly includes each payment in the budget month it falls in. You can plan for one-time income and expenses, too. YOUR BUDGET, YOUR SCHEDULE Choose when your budget month starts, whether that’s payday or another date that suits you. Roll your remaining budget into the next month if you want to, and make adjustments when needed. HOUSEHOLDS & ACCOUNTS Manage separate households and assign income and expenses to accounts. See the budget for each account as well as your household total. REMINDERS ON YOUR TERMS Set a reminder for an individual expense. You choose the day and time, and Monthly sends you a notification. CATEGORIES & INSIGHTS Group expenses into categories such as housing, transportation, or leisure, with colors and icons of your choice. See how your income, expenses, and budget change over time. HOME SCREEN WIDGETS Check your monthly budget and upcoming expenses from your Home Screen, without opening Monthly. CSV EXPORT Export your income and expenses as a CSV file to review them in a spreadsheet or use them elsewhere. FREE & PRIVATE No ads, tracking, subscription fees, or sign-up. Monthly stores your entries locally on your device, with no cloud syncing. Plan your month knowing what’s left for you.

About

Paycle

Features
Read full description

Track all your subscriptions in one place with Paycle. Netflix, YouTube Premium, ChatGPT, Spotify... Do you know how much you're spending every month? Paycle brings all your recurring payments together so you can see your monthly estimated costs and upcoming payment schedule at a glance. Key Features: - See your total monthly subscription cost on the home screen - Upcoming payments with D-day countdown - Get notified 3 days before and on payment day - 200+ service presets for quick 10-second registration - Monthly and yearly billing cycle support - Monthly spending breakdown by category - Pause and resume subscription tracking - Available in English, Korean, and Japanese - Your subscription data is stored only on your device (never uploaded) - Anonymous analytics and advertising data are collected Cut unnecessary subscriptions and manage your recurring costs wisely.

Screenshots

Monthly4 screens
Paycle4 screens

Verdict

The call

The clearest difference is ads: Monthly at none against Paycle's shown. Monthly also leads on update cadence (every 4 days vs every 2 weeks). Paycle's advantage is iOS requirement (15.1 vs 26.1). On price, in-app purchases and device support there is nothing between them.

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Monthly ships an update every 4 days, Paycle every 2 weeks. The most recent releases landed on October 20, 2026 and October 6, 2026 respectively.

Scorecard3 real differences · 7 level
Monthly versus Paycle: the parameters behind the verdict, then further details
ParameterMonthlyPaycle
PriceFreeFree
Rating4.7 (36 ratings) — better—
Positive reviews94.7% of reviews—
Number of ratings36 — better—
Update frequencyEvery 4 days — betterEvery 2 weeks
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPod — better
Requires iOS26.115.1 — better
Further details — not scored
Size12 MB38 MB
Age rating4+4+
DeveloperArno RichterTezStudio

In-app purchases

None

Monthly

No in-app purchases

None

Paycle

No in-app purchases

Questions

Is Monthly free?
Monthly is free to download, with no in-app purchases.
Is Paycle free?
Paycle is free to download, with no in-app purchases.
Do Monthly or Paycle have ads?
Paycle shows ads; Monthly does not.
Which is updated more often, Monthly or Paycle?
Monthly ships an update every 4 days, and Paycle every 2 weeks. Most recently, Monthly was updated on October 20, 2026 and Paycle on October 6, 2026.

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