# PayBacks vs TrueSaver

The clearest difference is rating: TrueSaver at 4.5 against PayBacks's 3.0. TrueSaver also leads on in-app purchases (none vs 2) and review sentiment (100% vs 67%). PayBacks's advantage is iOS requirement (10.0 vs 15.1). On price, ads and device support there is nothing between them.

Both are free to download. PayBacks sells 2 one-off in-app purchases. TrueSaver asks for nothing beyond the download.

TrueSaver holds the better App Store score, 4.5 against 3.0. That said, the two scores are not equally well evidenced: TrueSaver has 10 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 67% of PayBacks's written reviews are positive against 100% of TrueSaver's.

PayBacks ships an update every 3 months, TrueSaver every 10 days. The most recent releases landed on October 8, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | PayBacks | TrueSaver |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/paybacks/id973145698/reviews) | **[4.5 (10 ratings)](https://appshunter.io/ios/app/truesaver/id1548270400/reviews)** |
| Number of ratings | 2 | **10** |
| Positive reviews | 66.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 10 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 51 MB | 40 MB |
| Requires iOS | **10.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cristina Buga](https://appshunter.io/developer/973024381) | [Truesaver](https://appshunter.io/developer/1548270402) |

## What reviewers say

### PayBacks

[App page](https://appshunter.io/ios/app/paybacks/id973145698)

Easily track money lent and borrowed. Get reminders for due dates and mark payments as complete. Send friendly reminders to friends who owe you money.

**Highlights:** Track money lent and borrowed, Add payment details, Reminders for due dates, Mark payments as paid, Send friendly reminders, Siri integration

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ads | $1.99 | one-time |
| Unlimited Payments | $2.99 | one-time |


### TrueSaver

[App page](https://appshunter.io/ios/app/truesaver/id1548270400)

Build your credit score by saving money, avoiding debt. This app offers a unique approach to financial wellness.

**Highlights:** Credit score building, Savings-focused approach, Debt avoidance, Financial wellness tool

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

**In-app purchases:** none


## Frequently asked questions

### Is PayBacks free?

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

### Is TrueSaver free?

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

### Which has better reviews, PayBacks or TrueSaver?

TrueSaver is rated higher. PayBacks averages 3.0 out of 5 from 2 ratings, while TrueSaver averages 4.5 from 10 ratings.

### Do PayBacks or TrueSaver have ads?

Neither PayBacks nor TrueSaver shows ads.

### Which is updated more often, PayBacks or TrueSaver?

PayBacks ships an update every 3 months, and TrueSaver every 10 days. Most recently, PayBacks was updated on October 8, 2026 and TrueSaver 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.*