# Payto vs 지갑지켜

The clearest difference is in-app purchases: 지갑지켜 at none against Payto's 2. 지갑지켜 also leads on iOS requirement (13.0 vs 15.1). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Payto sells 2 in-app purchases, starting at $4.99 per month. 지갑지켜 asks for nothing beyond the download.

Payto ships an update every 8 days, 지갑지켜 every 4 days. The most recent releases landed on October 28, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Payto | 지갑지켜 |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | Yes | Yes |
| Update frequency | Every 8 days | **Every 4 days** |
| Monetization | Free with in-app purchases | — |
| Size | 93 MB | 44 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 9+ | 4+ |
| Developer | [Beomjin In](https://appshunter.io/developer/1791890813) | [BroSister](https://appshunter.io/developer/1862659942) |

## What reviewers say

### Payto

[App page](https://appshunter.io/ios/app/payto-ai-expense-tracker/id6761049047)

Effortlessly track expenses using voice commands and AI analysis. Get personalized insights, set budgets, and manage finances with your family. Choose from various AI personalities to guide your financial journey.

**Highlights:** Voice and natural language expense logging, AI chat assistant for financial queries, Personalized AI insights and analysis, Shared budgeting for families and partners, Customizable AI personalities, Detailed spending category tracking

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payto Pro: Monthly | $4.99 | per month |
| Payto Pro (Annual) | $44.99 | per year |


### 지갑지켜

[App page](https://appshunter.io/ios/app/and/id6769240247)

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

**In-app purchases:** none


## Frequently asked questions

### Is Payto free?

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

### Is 지갑지켜 free?

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

### Do Payto or 지갑지켜 have ads?

Both Payto and 지갑지켜 show ads.

### Which is updated more often, Payto or 지갑지켜?

Payto ships an update every 8 days, and 지갑지켜 every 4 days. Most recently, Payto was updated on October 28, 2026 and 지갑지켜 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.*