Comparison

Payoo vs Budget Expense

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Payoo

Manage and pay utility bills like electricity, water, and internet from a single account. Offers online or cash payment options 24/7. Easily find nearby stores for cash payments.

Highlights
  • Bill payment for utilities
  • Online and cash payment options
  • 24/7 payment availability
  • Manage bills via one account
  • Find cash payment stores
  • Search stores by location
Features
Read full description

The application allows you to make payment for many utility services such as electricity, water, Internet, telephone, mobile phone. By using the application, you can manage all of your bills through one and only account; make online payment or cash payment during 24 hours per 7 days. Main functions: ● Query loan information from Customer ID, Service Type and Service Provider ● Payment for prepaid services (Prepaid mobile phone, …) ● Payment for postpaid services (Electricity, Water, Phone, Internet, Cable TV,…) ● Payment using Domestic bank card, International payment card ● Finding stores that provide cash payment for all of the services Sub functions: ● Stores searching by name, address ● Stores arranged in order from closest to farthest by using GPS function

About

Budget Expense

Features
Read full description

Scan a receipt. Follow your spending. Keep purchase records and warranty dates within reach. Budget Expense helps you turn everyday purchases into records you can find later. Photograph a receipt or import it from Photos, review the recognized details, then save your expense. You can also add and edit expenses by hand. SEE WHAT’S LEFT THIS MONTH Set a monthly budget and follow your progress. Explore spending by category, check trends and search your expense history. Export a CSV when you need your records elsewhere. KEEP IMPORTANT PURCHASES TOGETHER Add your items, purchase dates and warranty dates in one place. Set local warranty reminders to help you remember when coverage is nearing its end. SCAN WITH MORE CONTROL On-device text recognition extracts merchant, date, total, tax and invoice line items for you to review. Apple Intelligence can help organize receipt details on supported devices when available. On-device text recognition remains available without it. Always check recognized amounts and details before saving. FREE FOR EVERYDAY TRACKING Receipt scanning, expense history, CSV export and up to 20 inventory items are free. Pro adds unlimited inventory items and PDF expense and inventory reports. Choose an optional monthly or yearly auto-renewing subscription, or a one-time lifetime purchase, for the same Pro features. PRIVATE AND IN YOUR HANDS Your ledger and receipt processing stay on your device. There are no ads or third-party analytics. Export backups manually and choose where to save or share your files; the app does not automatically sync your ledger. The app interface is currently in English. Terms of Use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Payoo4 screens
Budget Expense4 screens

Verdict

The call

The clearest difference is in-app purchases: Payoo at none against Budget Expense's 3. Payoo also leads on update cadence (every 3 weeks vs every 6 months) and iOS requirement (15.0 vs 26.2). On price, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Budget Expense sells 3 in-app purchases, starting at $3.99 per month. Payoo asks for nothing beyond the download.

UpkeepUpdate frequency

Payoo ships an update every 3 weeks, Budget Expense every 6 months. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
Payoo versus Budget Expense: the parameters behind the verdict, then further details
ParameterPayooBudget Expense
PriceFreeFree
Rating3.8 (14 ratings) — better—
Positive reviews40.0% of reviews—
Number of ratings14 — better—
Update frequencyEvery 3 weeks — betterEvery 6 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better26.2
Further details — not scored
Size131 MB11 MB
Age rating4+4+
DeveloperVIET UNION ONLINE SERVICES CORPORATIONLe Nguyen

In-app purchases

None

Payoo

No in-app purchases

3 purchases

Budget Expense

Subscriptions2
  • Budget Pro Monthly$3.991 Month
  • Budget Pro Yearly$29.991 Year
One-time1
  • Budget Pro Lifetime$59.99

Questions

Is Payoo free?
Payoo is free to download, with no in-app purchases.
Is Budget Expense free?
Budget Expense is free to download, with in-app purchases available.
Do Payoo or Budget Expense have ads?
Neither Payoo nor Budget Expense shows ads.
Which is updated more often, Payoo or Budget Expense?
Payoo ships an update every 3 weeks, and Budget Expense every 6 months. Most recently, Payoo was updated on October 24, 2026 and Budget Expense on October 25, 2026.

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