# Changed vs Five Lakes

The clearest difference is review sentiment: Five Lakes at 93% against Changed's 42%. Five Lakes also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, ratings volume, update cadence and in-app purchases there is nothing between them.

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

Five Lakes holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 5.7K and 4.9K respectively. Written reviews point the same way: 42% of Changed's written reviews are positive against 93% of Five Lakes's.

Both ship on a similar rhythm, roughly weekly. Both last shipped on October 24, 2026.

## The numbers

| Metric | Changed | Five Lakes |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (5.7K ratings)](https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383/reviews) | **[4.9 (4.9K ratings)](https://appshunter.io/ios/app/five-lakes/id1635378642/reviews)** |
| Number of ratings | **5.7K** | 4.9K |
| Positive reviews | 41.5% of reviews | **92.8% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Weekly | Weekly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 167 MB | 79 MB |
| Requires iOS | 17.6 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Changed Inc.](https://appshunter.io/developer/1164559382) | [Sergio Rabiela](https://appshunter.io/developer/1634262833) |

## 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


### Five Lakes

[App page](https://appshunter.io/ios/app/five-lakes/id1635378642)

Track your financial program's progress and view enrolled accounts. Connect with a dedicated client success team for support and receive personalized financial tips and inspiration.

**Highlights:** Program progress review, Enrolled account management, Client Success Team connection, Personal finance tips, Financial journey inspiration

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Debt Relief Fast
- 👍 Fixing my debt
- 👍 Debt Reduction Help
- 👍 Easy way to get out of debt
- 👍 Thankful

**What reviewers complain about**

- 🐛 Scam
- ⚠️ Not informed on everything
- ⚠️ Be Cautious
- ⚠️ No communication
- ⚠️ Not a happy client

**Reported bugs**

- The app not working since last update

**Requested features**

- Dark mode option
- Advanced analytics dashboard


## Frequently asked questions

### Is Changed free?

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

### Is Five Lakes free?

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

### Which has better reviews, Changed or Five Lakes?

Five Lakes is rated higher. Changed averages 4.6 out of 5 from 5.7K ratings, while Five Lakes averages 4.9 from 4.9K ratings.

### Do Changed or Five Lakes have ads?

Changed shows ads; Five Lakes does not.

### Which is updated more often, Changed or Five Lakes?

Changed ships an update weekly, and Five Lakes weekly. Most recently, Changed was updated on October 24, 2026 and Five Lakes 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.*