# PAYMENT PULSE vs SpendCents

PAYMENT PULSE and SpendCents are too close to call on the numbers: across 8 compared parameters — price, rating, ratings volume and ads among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. PAYMENT PULSE sells 2 in-app purchases, starting at $4.99 per month and SpendCents sells 2 in-app purchases, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for PAYMENT PULSE against 5.0 for SpendCents. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

## The numbers

| Metric | PAYMENT PULSE | SpendCents |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/payment-pulse/id6793563761/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/spendcents/id6798426431/reviews) |
| Number of ratings | 1 | 1 |
| Positive reviews | — | 83.3% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Monetization | Freemium | Freemium |
| Size | 40 MB | 37 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Walter Paul Bebirian](https://appshunter.io/developer/6793563763) | [Joshua Weber](https://appshunter.io/developer/6791651030) |

## What reviewers say

### PAYMENT PULSE

[App page](https://appshunter.io/ios/app/payment-pulse/id6793563761)

This app helps you plan and schedule bill payments to avoid overdrafts and manage your cash flow effectively. It provides a visual roadmap of upcoming due dates and your projected daily cash balance, allowing you to see potential shortfalls in advance.

**Highlights:** Payment scheduling, Cash flow projection, Bill due date tracking, Credit health monitoring, Safe-to-spend calculation, What-if scenarios

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited Pulse Monthly | $4.99 | per month |
| Unlimited Pulse Annual | $39.99 | per year |


### SpendCents

[App page](https://appshunter.io/ios/app/spendcents/id6798426431)

This app helps you create a clear plan to pay off your debts by showing you what you owe, what to pay next, and when you'll be debt-free. It analyzes your spending and income to identify extra funds for debt repayment.

**Highlights:** Debt payoff plan creation, Debt-free date projection, Budget tracking, Payment logging, Interest avoidance calculation, Financial term explanations

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendCents Pro Monthly | $6.99 | per month |
| SpendCents Pro Annual | $49.99 | per year |


## Frequently asked questions

### Is PAYMENT PULSE free?

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

### Is SpendCents free?

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

### Which has better reviews, PAYMENT PULSE or SpendCents?

PAYMENT PULSE and SpendCents are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.

### Do PAYMENT PULSE or SpendCents have ads?

Neither PAYMENT PULSE nor SpendCents shows ads.

---

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