# 房贷宝 vs Paylist

The clearest difference is update cadence: Paylist at every 5 days against 房贷宝's every 3 weeks. 房贷宝's advantage is iOS requirement (16.0 vs 18.6). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. 房贷宝 sells 1 one-off in-app purchase 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.

房贷宝 ships an update every 3 weeks, Paylist every 5 days. The most recent releases landed on November 7, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | 房贷宝 | 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 | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 5 days** |
| Monetization | — | Freemium |
| Size | 2 MB | 21 MB |
| Requires iOS | **16.0** | 18.6 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Wuhan Xingyun Technology Co., Ltd.](https://appshunter.io/developer/1853186645) | [权东 李](https://appshunter.io/developer/6793769256) |

## What reviewers say

### 房贷宝

[App page](https://appshunter.io/ios/app/id6781649269)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| FangDaiBao Pro | $0.99 | one-time |


### Paylist

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

Manage all your recurring payments, software purchases, and memberships in one centralized location. Get timely reminders before subscriptions expire to avoid unwanted charges and track your spending with expense rankings and daily cost calculations.

**Highlights:** Manage subscriptions and recurring payments, Personalized icons for custom items, Expiration reminders, Quick cancellation access, Expense forecasting, 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 房贷宝 free?

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

### Is Paylist free?

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

### Do 房贷宝 or Paylist have ads?

Neither 房贷宝 nor Paylist shows ads.

### Which is updated more often, 房贷宝 or Paylist?

房贷宝 ships an update every 3 weeks, and Paylist every 5 days. Most recently, 房贷宝 was updated on November 7, 2026 and Paylist 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.*