# Payto vs RONAR

The clearest difference is ads: RONAR at none against Payto's shown. RONAR also leads on update cadence (every 2 days vs every 8 days). On price, in-app purchases, monetization model 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 and RONAR sells 6 in-app purchases, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

Payto ships an update every 8 days, RONAR every 2 days. The most recent releases landed on October 8, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | Payto | RONAR |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/ronar/id6781215979/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 8 days | **Every 2 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 93 MB | 48 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 9+ | 4+ |
| Developer | [Beomjin In](https://appshunter.io/developer/1791890813) | [RONALD RODRIGUEZ REYES](https://appshunter.io/developer/6781216281) |

## 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 |


### RONAR

[App page](https://appshunter.io/ios/app/ronar/id6781215979)

This app helps you master your finances, health, and decisions with a personalized AI coach. It provides clear insights into your spending, integrates with health data, and suggests actionable steps to improve your well-being and financial health.

**Highlights:** Money tracking and net worth overview, Daily financial health score, Emergency Brake for purchases, Apple Health integration for sleep and steps, Meal logging via photo, voice, or search, AI coach for actionable advice, Monthly financial summary

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

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| RONAR I | $6.99 | per month |
| RONAR II | $12.99 | per month |
| RONAR III | $29.99 | per month |
| RONAR I | $79.99 | per year |
| RONAR II | $149.99 | per year |
| RONAR III | $349.99 | per year |


## Frequently asked questions

### Is Payto free?

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

### Is RONAR free?

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

### Do Payto or RONAR have ads?

Payto shows ads; RONAR does not.

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

Payto ships an update every 8 days, and RONAR every 2 days. Most recently, Payto was updated on October 8, 2026 and RONAR on October 11, 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.*