# WiseSwipe vs Paylist

The clearest difference is review sentiment: Paylist at 100% against WiseSwipe's 83%. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. WiseSwipe sells 3 in-app purchases, starting at $1.99 per month and Paylist sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

WiseSwipe ships an update every 8 days, Paylist every 5 days. The most recent releases landed on October 28, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | WiseSwipe | Paylist |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/paylist-subscription-tracker/id6805378284/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | 83.3% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 8 days | **Every 5 days** |
| Monetization | Freemium | Freemium |
| Size | 8 MB | 21 MB |
| Requires iOS | **17.0** | 18.6 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [莹洁 梁](https://appshunter.io/developer/6780516261) | [权东 李](https://appshunter.io/developer/6793769256) |

## What reviewers say

### WiseSwipe

[App page](https://appshunter.io/ios/app/wiseswipe-interest-free-help/id6780763010)

Optimize your credit card spending by calculating interest-free periods and future rankings. Get timely alerts for statement and due dates, and plan purchases with an interest-free calendar. The app runs locally with secure backups, no personal data collected.

**Highlights:** Interest-free period calculation, Future interest-free rankings, Statement and due date alerts, Home and lock screen widgets, Interest-free ranking calendar, Secure local backups

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Plan | $1.99 | per month |
| Yearly Plan | $9.99 | per year |
| Lifetime Plan | $24.99 | one-time |


### Paylist

[App page](https://appshunter.io/ios/app/paylist-subscription-tracker/id6805378284)

Manage all your recurring expenses and one-time purchases in one place. Get timely reminders for renewals and expirations to avoid unwanted charges. Track your spending across different periods and currencies.

**Highlights:** Subscription management, Renewal and expiration reminders, Payment tracking, Spending analysis by period, Multi-currency support, Local data backup and export

**Features:** macOS Compatibility, Family Sharing, Vision Pro support, iPhone Duo support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Paylist Premium (Monthly) | $0.99 | per month |
| Paylist Premium (Yearly) | $6.99 | per year |
| Paylist Premium (Lifetime) | $8.99 | one-time |


## Frequently asked questions

### Is WiseSwipe free?

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

### Is Paylist free?

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

### Do WiseSwipe or Paylist have ads?

Neither WiseSwipe nor Paylist shows ads.

### Which is updated more often, WiseSwipe or Paylist?

WiseSwipe ships an update every 8 days, and Paylist every 5 days. Most recently, WiseSwipe was updated on October 28, 2026 and Paylist on October 29, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*