# Clad vs Rateo

The clearest difference is rating: Clad at 5.0 against Rateo's 2.0. Clad also leads on in-app purchases (none vs 2) and ratings volume (3 vs 1). Rateo's advantage is update cadence (every 5 days vs every 11 days). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Rateo sells 2 in-app purchases, starting at $19.99 per year. Clad asks for nothing beyond the download.

Clad holds the better App Store score, 5.0 against 2.0. Both are backed by a comparable volume of ratings — 3 and 1 respectively.

Clad ships an update every 11 days, Rateo every 5 days. The most recent releases landed on October 31, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Clad | Rateo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/clad-tuition-payments/id6765761096/reviews)** | [2.0 (1 ratings)](https://appshunter.io/ios/app/rateo-bnpl-tracker/id6809891707/reviews) |
| Number of ratings | **3** | 1 |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 11 days | **Every 5 days** |
| Monetization | Free | — |
| Size | 24 MB | 31 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Clad](https://appshunter.io/developer/1896062751) | [Fabrizio Marinelli](https://appshunter.io/developer/6809891709) |

## What reviewers say

### Clad

[App page](https://appshunter.io/ios/app/clad-tuition-payments/id6765761096)

This app simplifies tuition and childcare payments for both providers and families. It offers automated payouts, flexible payment plans, and clear financial tracking. Securely manage all your educational payment needs in one place.

**Highlights:** Automated tuition payouts, Flexible payment plans, Real-time payment tracking, Guardian enrollment, Secure payment processing, Payment history and receipts

**Features:** macOS Compatibility

**In-app purchases:** none


### Rateo

[App page](https://appshunter.io/ios/app/rateo-bnpl-tracker/id6809891707)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Rateo PRO Annual | $19.99 | per year |
| Rateo PRO Lifetime | $49.99 | one-time |


## Frequently asked questions

### Is Clad free?

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

### Is Rateo free?

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

### Which has better reviews, Clad or Rateo?

Clad is rated higher. Clad averages 5.0 out of 5 from 3 ratings, while Rateo averages 2.0 from 1 ratings.

### Do Clad or Rateo have ads?

Neither Clad nor Rateo shows ads.

### Which is updated more often, Clad or Rateo?

Clad ships an update every 11 days, and Rateo every 5 days. Most recently, Clad was updated on October 31, 2026 and Rateo on November 6, 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.*