# МОТИВ.Pay vs I Am Saving

The clearest difference is review sentiment: I Am Saving at 85% against МОТИВ.Pay's 4%. I Am Saving also leads on rating (4.5 vs 1.4) and ads (none vs shown). МОТИВ.Pay's advantage is in-app purchases (none vs 1) and iOS requirement (13.0 vs 16.0). On price, update cadence and device support there is nothing between them.

Both are free to download. I Am Saving sells 1 one-off in-app purchase. МОТИВ.Pay asks for nothing beyond the download.

I Am Saving holds the better App Store score, 4.5 against 1.4. That said, the two scores are not equally well evidenced: I Am Saving has 135 ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 4% of МОТИВ.Pay's written reviews are positive against 85% of I Am Saving's.

МОТИВ.Pay ships an update every 5 months, I Am Saving every 4 months. The most recent releases landed on November 1, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | МОТИВ.Pay | I Am Saving |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.4 (14 ratings)](https://appshunter.io/ios/app/pay/id965077720/reviews) | **[4.5 (135 ratings)](https://appshunter.io/ios/app/i-am-saving/id1456550827/reviews)** |
| Number of ratings | 14 | **135** |
| Positive reviews | 3.9% of reviews | **85.4% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 5 months | **Every 4 months** |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 123 MB | 19 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [IT-PERSPEKTIVA OOO](https://appshunter.io/developer/965077719) | [Vadim Belyaev](https://appshunter.io/developer/1456550826) |

## What reviewers say

### МОТИВ.Pay

[App page](https://appshunter.io/ios/app/pay/id965077720)

Manage your finances with this app, offering virtual card issuance, money transfers, and bill payments. Earn cashback and receive bonuses as a subscriber. Unique features allow payments directly from your phone balance.

**Highlights:** Virtual MIR card issuance, Money transfers via phone number, details, or SBP, QR code payments, Utility and service bill payments, Expense tracking, Cashback on MIR card purchases, Mobile balance payments (for subscribers)

**In-app purchases:** none


### I Am Saving

[App page](https://appshunter.io/ios/app/i-am-saving/id1456550827)

This app helps children learn to save money by setting savings goals, tracking income and expenses, and visualizing progress. It encourages good financial habits and congratulates users upon reaching their goals.

**Highlights:** Set savings goals, Track income and expenses, Visualize savings progress, Adjust goals anytime, Congratulates on achievement, Encourages good habits

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Full Version | $5.99 | one-time |


## Frequently asked questions

### Is МОТИВ.Pay free?

МОТИВ.Pay is free to download, with no in-app purchases.

### Is I Am Saving free?

I Am Saving is free to download, with in-app purchases available.

### Which has better reviews, МОТИВ.Pay or I Am Saving?

I Am Saving is rated higher. МОТИВ.Pay averages 1.4 out of 5 from 14 ratings, while I Am Saving averages 4.5 from 135 ratings.

### Do МОТИВ.Pay or I Am Saving have ads?

МОТИВ.Pay shows ads; I Am Saving does not.

### Which is updated more often, МОТИВ.Pay or I Am Saving?

МОТИВ.Pay ships an update every 5 months, and I Am Saving every 4 months. Most recently, МОТИВ.Pay was updated on November 1, 2026 and I Am Saving 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.*