Comparison

Paranova vs Paydown

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

Head to head
About

Paranova

Features
Read full description

See exactly where your money goes with Paranova. Track income and expenses in one tap, take control of your budget, and reach your savings goals — all ad-free, no account required, and fully offline. WHY PARANOVA? • Privacy first: All your data is stored only on your phone. Never uploaded, never sold, never shared. • No ads, no tracking: A clean, distraction-free experience. • No account needed: Download and start instantly. FEATURES • Income & expense tracking — categorize every transaction • Accounts & cards — manage multiple accounts in one place • Budgets — set category budgets and get alerts when you overspend • Savings goals — watch yourself get closer to what you want • Recurring transactions — auto-log rent, salary, and bills • Subscription tracking — never forget Netflix, Spotify and more • Reports & charts — clearly see where your money goes • Smart insights — tips about your spending habits • Multi-currency — each account in its own currency • Face ID / PIN lock — keep your finances private • Backup & restore — export your data and move to a new device WHO IS IT FOR? Anyone who wants to control spending, build savings, stop living paycheck to paycheck, or simply understand where their money goes. Budgeting has never been this easy. Download today and take control of your money. Contact & support: innovasoftgit@gmail.com

About

Paydown

Features
Read full description

Paydown is a simple budget and expense tracker for iPhone. Log spending in seconds, set category budgets, and track bills, subscriptions and debts in one clean, fast app. See exactly where your money goes and never miss a payment again. WHY PAYDOWN • Add income and expenses in seconds • Clean, distraction-free design • Works fully offline, with optional secure cloud backup • Multiple wallets with account transfers BUDGET & SPENDING • Monthly budgets by wallet or category • Progress bars that fill as you spend • Spending trends and category breakdowns (Pro) BILLS, SUBSCRIPTIONS & DEBTS • Bills and subscriptions with payment reminders • Debts with installment plans and payment tracking • Home screen widgets for upcoming payments and budgets PAYDOWN PRO Unlock analytics, unlimited budgets, accounts and subscriptions, cloud backup and multi-device sync, and CSV export. Choose monthly, yearly (with a free trial), or a one-time lifetime purchase. Your data stays private: no ads, no third-party tracking. Questions or feedback? onurtavil8@gmail.com Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Paranova3 screens
Paydown3 screens

Verdict

The call

The clearest difference is in-app purchases: Paranova at none against Paydown's 3. Paranova also leads on device support (3 vs 1) and iOS requirement (15.1 vs 17.0). On price, update cadence and ads there is nothing between them.

Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

Both are free to download. Paydown sells 3 in-app purchases, starting at $2.99 per month. Paranova asks for nothing beyond the download.

UpkeepUpdate frequency

Paranova ships an update fortnightly, Paydown every 10 days. The most recent releases landed on October 7, 2026 and October 9, 2026 respectively.

Scorecard3 real differences Ā· 3 level
Paranova versus Paydown: the parameters behind the verdict, then further details
ParameterParanovaPaydown
PriceFreeFree
Update frequencyFortnightlyEvery 10 days — better
AdsNoNo
In-app purchasesNo — betterYes
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better17.0
Further details — not scored
Size46 MB4 MB
Age rating4+4+
DeveloperNurullah TureyenOnur Tavil

In-app purchases

None

Paranova

No in-app purchases

3 purchases

Paydown

Subscriptions2
  • Paydown Pro — Monthly$2.991 Month
  • Paydown Pro — Yearly7 Days trial$29.991 Year
One-time1
  • Paydown Pro — Lifetime$99.99

Questions

Is Paranova free?
Paranova is free to download, with no in-app purchases.
Is Paydown free?
Paydown is free to download, with in-app purchases available.
Do Paranova or Paydown have ads?
Neither Paranova nor Paydown shows ads.
Which is updated more often, Paranova or Paydown?
Paranova ships an update fortnightly, and Paydown every 10 days. Most recently, Paranova was updated on October 7, 2026 and Paydown on October 9, 2026.

Other comparisons