# Payto vs Juno AI

The clearest difference is ads: Juno AI at none against Payto's shown. Juno AI also leads on update cadence (daily vs every 8 days). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Both are free to download. Payto sells 2 in-app purchases, starting at $4.99 per month and Juno AI sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Payto ships an update every 8 days, Juno AI daily. Both last shipped on October 8, 2026.

## The numbers

| Metric | Payto | Juno AI |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 8 days | **Daily** |
| Monetization | Free with in-app purchases | — |
| Size | 93 MB | 54 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 9+ | 4+ |
| Developer | [Beomjin In](https://appshunter.io/developer/1791890813) | [Juan Almena](https://appshunter.io/developer/6778974548) |

## 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 |


### Juno AI

[App page](https://appshunter.io/ios/app/juno-ai-expense-tracker/id6778974546)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Juno Pro Monthly | $3.99 | per month |
| Juno Pro Yearly | $34.99 | per year |


## Frequently asked questions

### Is Payto free?

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

### Is Juno AI free?

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

### Do Payto or Juno AI have ads?

Payto shows ads; Juno AI does not.

### Which is updated more often, Payto or Juno AI?

Payto ships an update every 8 days, and Juno AI daily. Most recently, Payto was updated on October 8, 2026 and Juno AI on October 8, 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.*