Comparison

Paycheck Budget vs Worthly

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

Head to head
About

Paycheck Budget

Effortlessly track daily expenses with AI-powered logging and instant chat insights. Understand your spending patterns with clear visuals and stay on budget with automatic reminders and recurring bill management. Your financial data remains private on your device.

Highlights
  • AI-powered expense logging via text
  • Receipt scanning with AI extraction
  • Chat interface for spending queries
  • Visual spending charts and calendar view
  • Automatic recurring bill tracking
  • Monthly budget setting and monitoring
  • Data privacy with no bank login
Read full description

It's not another budgeting app. It's knowing exactly where every dollar goes, every day. Type "Coffee $4" and AI logs it with the right category. Snap a receipt and AI extracts every line. Ask "How much on food this month?" and get an instant answer in chat. Three seconds a day. Total clarity on your money. Switching from another app? Bring your history with you. Import CSV or Excel exports in minutes. EFFORTLESS LOGGING Logging an expense takes one short sentence. Type "Lunch $12 yesterday" and DaTrack picks the date, amount, and category. Snap a receipt and AI extracts every item. No forms. No dropdowns. No friction. ASK YOUR MONEY ANYTHING Ever wonder where your coffee budget went? Ask DaTrack. The AI Chat reads your spending and answers in plain English. "How much on food this month?" "What did I spend last weekend?" Get instant clarity without digging through spreadsheets. SEE THE FULL PICTURE A clean calendar shows every day's spending at a glance. Tap any day for the details. Switch to charts and watch your money flow across categories, weeks, and months. Patterns you never noticed become obvious. STAY ON TRACK AUTOMATICALLY Set a monthly budget once and watch your remaining balance live. Add recurring bills like rent or subscriptions and DaTrack logs them for you. A daily reminder keeps the habit going without nagging. PRIVATE BY DEFAULT No bank login. No account required. Your spending stays on your device, secured by iCloud. We never see your data. WHAT PRO UNLOCKS DaTrack is free to start. Manual logging, calendar view, daily reminders, and CSV export are always free. Pro adds the AI that makes everything effortless: • Import your history from CSV or Excel files • Log expenses in plain words with AI • Snap receipts and let AI extract them • Ask questions about your spending in chat • Advanced charts and statistics • Monthly budgets with category allocation • Recurring expenses and bills PRO SUBSCRIPTION • Yearly: best value, starts with a 7-day free trial • Monthly: no commitment, cancel anytime • Lifetime: one payment, Pro for good, no subscription Your exact price is shown above in your local currency. Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless canceled at least 24 hours before the end of the current period. You can manage and cancel subscriptions in your Account Settings. Any unused portion of a free trial will be forfeited upon purchasing a subscription. Privacy Policy: https://quoc48.github.io/datrack-legal/privacy Terms of Use: https://quoc48.github.io/datrack-legal/terms

About

Worthly

Manage your finances with budgeting tools, net worth tracking, and savings goals. Make informed spending decisions with helpful quizzes and calculators. Stay on top of bills and plan your financial future.

Highlights
  • Budgeting by category
  • Net worth tracking
  • Sinking fund goals
  • No-spend day challenges
  • Spending decision quizzes
  • Bill and income planning
  • Investment tracking
Features
Read full description

Worthly makes it easy to take control of your money - all in one beautifully designed app! No complicated spreadsheets or overwhelming dashboards. Just the right tools to help you make better money decisions, one day at a time. BUDGET YOUR WAY Set up your monthly budget in minutes. Track your spending by category, see where your money's going, and get personalized insights to help you stay on track. WATCH YOUR NET WORTH GROW See your complete financial picture — assets, debts, and net worth — all in one place. Track your progress over time and celebrate the wins along the way. BUILD SINKING FUNDS Saving for something special? Create sinking funds with goals, track your progress, and see projections for when you'll hit your target. NO-SPEND DAY TRACKING Challenge yourself to spend less. Track your no-spend days on a beautiful calendar and build streaks you can be proud of. SHOULD I BUY THIS QUIZ Before you swipe that card, take the quick "Should I Buy This?" quiz. And with the "What Am I Giving Up?" calculator, see what your spending could be worth if you invested it instead. STAY ON TOP OF BILLS Set up recurring transactions so nothing sneaks up on you. Plan future income to see how it shapes your financial future. AND SO MUCH MORE! Wishlist to keep track of things you want Investment account tracking Home screen widgets Export transactions to CSV Works with 20 currencies worldwide Debt payoff tracker Budget sheets Reminders Future net worth projector FREE TO START Worthly is free with all the basics. Want the full experience? Try Premium free for 14 days, then just $4.99/month or the equivalent in your currency. Cancel anytime. We take your privacy seriously. Your data is stored securely and we never sell your information. Ever. Ready to feel good about your money? Download Worthly today! Terms of Use: https://worthly-app.netlify.app/terms

Screenshots

Paycheck Budget4 screens
Worthly4 screens

Verdict

The call

The clearest difference is review sentiment: Worthly at 100% against Paycheck Budget's 73%. Worthly also leads on iOS requirement (15.0 vs 17.0). On price, update cadence, ads and in-app purchases 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. Paycheck Budget sells 4 in-app purchases, starting at $4.99 per month and Worthly sells 1 in-app purchase, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Paycheck Budget ships an update every 4 days, Worthly every 3 days. The most recent releases landed on November 13, 2026 and November 9, 2026 respectively.

Scorecard2 real differences · 8 level
Paycheck Budget versus Worthly: the parameters behind the verdict, then further details
ParameterPaycheck BudgetWorthly
PriceFreeFree
Rating4.8 (786 ratings) — better—
Positive reviews72.7% of reviews100.0% of reviews — better
Number of ratings786 — better—
Update frequencyEvery 4 daysEvery 3 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhoneiPhone, iPod — better
Requires iOS17.015.0 — better
Further details — not scored
Size26 MB25 MB
Age rating4+4+
DeveloperQuoc PhanWorthly HQ Inc.

Customer experience

Paycheck Budget

All ratings786 ratings
Positive94.8%
Neutral3.7%
Negative1.5%
Written reviews11 reviews
Positive72.7%
Neutral9.1%
Negative18.2%

Worthly

Written reviews7 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

4 purchases

Paycheck Budget

Subscriptions2
  • Pro Monthly$4.991 Month
  • Pro Yearly7 Days trial$34.991 Year
One-time2
  • DaTrack Pro Lifetime Launch$69.99
  • DaTrack Pro Lifetime$99.99
1 purchases

Worthly

Subscriptions1
  • Worthly Premium14 Days trial$3.991 Month

Questions

Is Paycheck Budget free?
Paycheck Budget is free to download, with in-app purchases available.
Is Worthly free?
Worthly is free to download, with in-app purchases available.
Do Paycheck Budget or Worthly have ads?
Neither Paycheck Budget nor Worthly shows ads.
Which is updated more often, Paycheck Budget or Worthly?
Paycheck Budget ships an update every 4 days, and Worthly every 3 days. Most recently, Paycheck Budget was updated on November 13, 2026 and Worthly on November 9, 2026.

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