# Payback Day vs Wise Money

The clearest difference is update cadence: Wise Money at daily against Payback Day's every 2 days. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Payback Day ships an update every 2 days, Wise Money daily. The most recent releases landed on September 30, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Payback Day | Wise Money |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/wise-money-budget-tracker/id6795866725/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 days | **Daily** |
| Monetization | — | Free |
| Size | 36 MB | 45 MB |
| Requires iOS | **15.1** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [IBCMobile](https://appshunter.io/developer/625175533) | [Al Abjadiya](https://appshunter.io/developer/1871504623) |

## What reviewers say

### Payback Day

[App page](https://appshunter.io/ios/app/payback-day-split-and-settle/id6792700265)

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

**In-app purchases:** none


### Wise Money

[App page](https://appshunter.io/ios/app/wise-money-budget-tracker/id6795866725)

Manage your finances privately and offline with this comprehensive budget tracker. Record income and expenses, track debts, and visualize spending habits without needing an account or internet connection. Your financial data remains securely on your device.

**Highlights:** Offline budget tracking, Income and expense recording, Debt tracking (lent/borrowed), Customizable accounts, Source-based spending analysis, Currency support, Data export/backup

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

**In-app purchases:** none


## Frequently asked questions

### Is Payback Day free?

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

### Is Wise Money free?

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

### Do Payback Day or Wise Money have ads?

Neither Payback Day nor Wise Money shows ads.

### Which is updated more often, Payback Day or Wise Money?

Payback Day ships an update every 2 days, and Wise Money daily. Most recently, Payback Day was updated on September 30, 2026 and Wise Money on October 14, 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.*