Comparison

Pay vs Budget Planner App

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

Head to head
About

Pay

Read full description

Pay-Calc is a paycheck, tax, and budget calculator that helps you know your exact take-home pay before payday — and plan your monthly budget around it. Built for 2026 with verified tax rates for all 50 states. FREE CALCULATORS - Salary-Calc — take-home pay from your annual salary across all pay schedules - Hourly-Calc — take-home pay from your hourly rate and hours worked - Budget-Track — track your monthly budget by expense item, with optional actual-spending tracking - Budget-Calc — see the income you need to cover any budget amount PAY-CALC PRO — $4.99/YEAR 7-day free trial. Unlocks three additional calculators and removes banner ads: - Indie-Calc — self-employment tax for freelancers including quarterly estimates - Compare-Calc — compare two income scenarios side by side - Biz-Calc — true total cost of an employee including benefits and overhead Subscription auto-renews annually at $4.99 unless cancelled at least 24 hours before renewal. Manage or cancel in your App Store account settings. Any unused trial will be forfeited when a subscription is purchased. Payment charged to Apple ID at confirmation. ALL 50 STATES SUPPORTED Federal and state tax rates verified for 2026 against official IRS and state revenue department publications. PRIVACY FIRST All calculations happen on your device. Your financial information is never transmitted or stored on external servers. DISCLAIMER Pay-Calc provides estimates for informational purposes only. Results may differ from your actual paycheck. Consult a tax professional for advice specific to your situation. Privacy Policy: https://pay-calc.com/privacy Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Budget Planner App

This app helps you budget using the cash-stuffing method without linking bank accounts. Create virtual envelopes for expenses and savings goals, and track your progress on a clear dashboard. It's designed for privacy and simplicity.

Highlights
  • Cash-stuffing budgeting
  • Virtual envelopes for expenses
  • Sinking funds for goals
  • Privacy-focused, no bank linking
  • Clear dashboard overview
  • Saving habit building
Features
Read full description

Budgeting should feel clear, calm, and personal. Stash is a beautiful budget planner and expense tracker that helps you record everyday spending, plan category budgets, organize accounts, and understand where your money goes—without linking your bank. SEE YOUR MONEY CLEARLY • Add income, expenses, and transfers in seconds • Review transactions by month, category, and account • See balances, income, and spending at a glance • Explore visual insights that make patterns easier to understand PLAN WITH PURPOSE • Connect your payday plan to your wallets so completed spending and income update what remains • Set spending limits for your expense categories • Organize cash, bank, savings, and credit card accounts • Create savings goals and keep progress visible • Schedule repeating transactions for regular payments MADE FOR REAL LIFE • Start with the currency for your region, or choose from global currencies • See large amounts in a clean, compact format • Turn on gentle reminders to record your transactions • Export a backup and restore it when needed PRIVATE BY DESIGN No bank connection is required. Your ledger is stored on your device. When you choose an AI feature and give consent, the information needed for that request is sent securely for processing. You can use manual tracking without enabling AI features. START FREE Use the essential tracking tools to begin building a calmer money habit. STASH PRO Unlock unlimited transactions, additional accounts, repeating transactions, and backup and restore. Available plans and pricing are shown in the app and may vary by storefront. Download Stash and make every dollar feel easier to manage. Questions or feedback? We would love to hear from you through the support link. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Pay4 screens
Budget Planner App4 screens

Verdict

The call

The clearest difference is in-app purchases: Pay at none against Budget Planner App's 1. Pay also leads on device support (3 vs 1) and iOS requirement (15.0 vs 17.0). Budget Planner App's advantage is ads (none vs shown) and update cadence (weekly vs monthly). On price 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. Budget Planner App sells 1 one-off in-app purchase. Pay asks for nothing beyond the download.

UpkeepUpdate frequency

Pay ships an update monthly, Budget Planner App weekly. The most recent releases landed on October 28, 2026 and October 31, 2026 respectively.

Scorecard5 real differences · 5 level
Pay versus Budget Planner App: the parameters behind the verdict, then further details
ParameterPayBudget Planner App
PriceFreeFree
Rating—5.0 (2 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—2 — better
Update frequencyMonthlyWeekly — better
AdsYesNo — better
In-app purchasesNo — betterYes
Monetization—Free with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better17.0
Further details — not scored
Size38 MB21 MB
Age rating4+4+
DeveloperBrightray Technologies llcZEKKERRIYYA ZEKERI

In-app purchases

None

Pay

No in-app purchases

1 purchases

Budget Planner App

One-time1
  • Lifetime Access$9.99

Questions

Is Pay free?
Pay is free to download, with no in-app purchases.
Is Budget Planner App free?
Budget Planner App is free to download, with in-app purchases available.
Do Pay or Budget Planner App have ads?
Pay shows ads; Budget Planner App does not.
Which is updated more often, Pay or Budget Planner App?
Pay ships an update monthly, and Budget Planner App weekly. Most recently, Pay was updated on October 28, 2026 and Budget Planner App on October 31, 2026.

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