# Payday vs Zero

The clearest difference is price: Payday at Free against Zero's $2.99. Zero's advantage is in-app purchases (none vs 4) and ads (none vs shown). On review sentiment, monetization model and iOS requirement there is nothing between them.

Payday is free to download; Zero costs $2.99 up front. Payday sells 4 one-off in-app purchases. Zero asks for nothing beyond the download.

Payday ships an update every 11 days, Zero every 4 days. The most recent releases landed on October 31, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Payday | Zero |
| --- | --- | --- |
| Price | **Free** | $2.99 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | Every 11 days | **Every 4 days** |
| Monetization | Paid | Paid |
| Size | 28 MB | 52 MB |
| Requires iOS | 18.0 | **17.4** |
| Devices | iPhone | **iPhone, iPad, Mac, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [France Pastrana](https://appshunter.io/developer/1844537572) | [Bryl Kezter Lim](https://appshunter.io/developer/1609198408) |

## What reviewers say

### Payday

[App page](https://appshunter.io/ios/app/payday-global-money-tracker/id6810740558)

Consolidate all your earnings, from salaries to freelance payments, into a single, clear global overview. Visualize your income sources and monthly progress on an interactive map, with options for manual entry, saved details, or CSV import.

**Highlights:** Global income overview, Track salary, freelance, and platform payouts, Interactive income map visualization, Monthly earnings and goal progress, Manual, saved, or CSV income entry, On-device statement screenshot interpretation, Multi-currency income tracking

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Voxel Earth | $0.99 | one-time |
| Matcha Mochi | $0.99 | one-time |
| Moon Mallow | $0.99 | one-time |
| Payday Full Access | $9.99 | one-time |


### Zero

[App page](https://appshunter.io/ios/app/zero-finance-tracker/id6818018555)

Effortlessly track your finances using natural language input. Log expenses, income, and payments by simply typing or scanning receipts. Gain insights into spending habits, manage budgets, and forecast your financial future.

**Highlights:** Natural language expense logging, Receipt scanning, Multi-currency account tracking, Budgeting and savings goals, Bill and payday reminders, Offline functionality, Data export to CSV

**Features:** Apple Watch app, Vision Pro support, iPhone Duo support

**In-app purchases:** none


## Frequently asked questions

### Is Payday free?

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

### Is Zero free?

Zero costs $2.99, with no in-app purchases.

### Do Payday or Zero have ads?

Payday shows ads; Zero does not.

### Which is updated more often, Payday or Zero?

Payday ships an update every 11 days, and Zero every 4 days. Most recently, Payday was updated on October 31, 2026 and Zero 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.*