# Changed vs SpenDebt

The clearest difference is ads: SpenDebt at none against Changed's shown. SpenDebt also leads on monetization model (free vs free with in-app purchases) and review sentiment (50% vs 42%). Changed's advantage is update cadence (weekly vs every 13 months) and ratings volume (5.7K vs 8). On price, rating, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.6 for Changed against 4.6 for SpenDebt. That said, the two scores are not equally well evidenced: Changed has 5.7K ratings behind it against 8, so its average is the more settled of the two. Written reviews are what separate them: 42% of Changed's written reviews are positive against 50% of SpenDebt's.

Changed ships an update weekly, SpenDebt every 13 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | Changed | SpenDebt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (5.7K ratings)](https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383/reviews) | **[4.6 (8 ratings)](https://appshunter.io/ios/app/spendebt/id1422084789/reviews)** |
| Number of ratings | **5.7K** | 8 |
| Positive reviews | 41.5% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Every 13 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 167 MB | 26 MB |
| Requires iOS | 17.6 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Changed Inc.](https://appshunter.io/developer/1164559382) | [SPENDEBT, INC](https://appshunter.io/developer/1422084788) |

## What reviewers say

### Changed

[App page](https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383)

This app helps you pay off debt faster by automating extra payments from everyday purchases and allowing you to track all your balances in one place. It supports various proven payoff strategies and calculates potential interest savings.

**Highlights:** Automated extra payments, Round up purchases, Track all debt types, Debt Snowball strategy, Debt Avalanche strategy, Interest savings calculator

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Helpful in paying off loans
- 💡 Automatic debt payments
- 👍 Easy to use
- 🤑 Saves money without noticing
- 🎉 Motivating to see progress

**What reviewers complain about**

- 🐛 Connectivity issues with accounts
- 🕰️ Slow payment processing
- 💸 Subscription fees
- 🤖 Poor customer support
- 🔒 Difficulty accessing/withdrawing funds

**Reported bugs**

- App freezing or crashing
- Incorrect loan balance tracking
- Payments not showing up on loan accounts
- Withdrawal/refund issues
- Syncing problems with bank/loan accounts

**Requested features**

- More customization options
- Faster payment processing
- Ability to manage multiple loans
- Mobile app improvements
- Better communication with users


### SpenDebt

[App page](https://appshunter.io/ios/app/spendebt/id1422084789)

This app automates debt and bill repayment by rounding up everyday transactions and contributing the difference towards your balance. It helps build financial discipline and improve your financial health through consistent, on-time payments.

**Highlights:** Automated debt repayment, Micropayments from transactions, Builds financial discipline, Improves financial health, On-time payment tracking

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

**In-app purchases:** none


## Frequently asked questions

### Is Changed free?

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

### Is SpenDebt free?

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

### Which has better reviews, Changed or SpenDebt?

SpenDebt is rated higher. Changed averages 4.6 out of 5 from 5.7K ratings, while SpenDebt averages 4.6 from 8 ratings.

### Do Changed or SpenDebt have ads?

Changed shows ads; SpenDebt does not.

### Which is updated more often, Changed or SpenDebt?

Changed ships an update weekly, and SpenDebt every 13 months. Most recently, Changed was updated on October 24, 2026 and SpenDebt on October 24, 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.*