# SwipeHelper vs Zero Debt

The clearest difference is price: Zero Debt at Free against SwipeHelper's $0.99. Zero Debt also leads on update cadence (every 3 days vs every 4 months). SwipeHelper's advantage is in-app purchases (none vs 4) and device support (3 vs 1). On ads there is nothing between them.

Zero Debt is free to download; SwipeHelper costs $0.99 up front. Zero Debt sells 4 in-app purchases, starting at $6.99 per month. SwipeHelper asks for nothing beyond the download.

SwipeHelper ships an update every 4 months, Zero Debt every 3 days. The most recent releases landed on November 2, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | SwipeHelper | Zero Debt |
| --- | --- | --- |
| Price | $0.99 | **Free** |
| Positive reviews | 69.2% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 3 days** |
| Monetization | Paid | — |
| Size | 9 MB | 17 MB |
| Requires iOS | **9.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [妮 安](https://appshunter.io/developer/1084335468) | [Sardor Akbarov](https://appshunter.io/developer/6780028842) |

## What reviewers say

### SwipeHelper

[App page](https://appshunter.io/ios/app/swipehelper-password-memo/id1084369435)

Securely store sensitive financial information like passwords and payment due dates. This app helps manage credit card benefits, interest-free periods, and payment deadlines with offline, encrypted storage.

**Highlights:** Password notes for banking and ATM, Interest-free period calculator, Payment due date tracking, Payment channel management, Offline data storage, 256-bit AES encryption

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

**In-app purchases:** none


### Zero Debt

[App page](https://appshunter.io/ios/app/zero-debt-payoff-planner/id6797665696)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $6.99 | per month |
| Zero Pro Monthly | $9.99 | per month |
| Zero Pro | $49.99 | per year |
| Zero Pro Lifetime | $99.99 | one-time |


## Frequently asked questions

### Is SwipeHelper free?

SwipeHelper costs $0.99, with no in-app purchases.

### Is Zero Debt free?

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

### Do SwipeHelper or Zero Debt have ads?

Neither SwipeHelper nor Zero Debt shows ads.

### Which is updated more often, SwipeHelper or Zero Debt?

SwipeHelper ships an update every 4 months, and Zero Debt every 3 days. Most recently, SwipeHelper was updated on November 2, 2026 and Zero Debt on October 31, 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.*