# Changed vs Debt Guide

The clearest difference is in-app purchases: Changed at none against Debt Guide's 4. Changed also leads on update cadence (every 9 days vs every 3 months) and ratings volume (5.7K vs 50). Debt Guide's advantage is ads (none vs shown) and review sentiment (62% vs 42%). On price and device support there is nothing between them.

Both are free to download. Debt Guide sells 4 in-app purchases, starting at $9.99 per month. Changed asks for nothing beyond the download.

Debt Guide holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Changed has 5.7K ratings behind it against 50, so its average is the more settled of the two. Written reviews point the same way: 42% of Changed's written reviews are positive against 62% of Debt Guide's.

Changed ships an update every 9 days, Debt Guide every 3 months. The most recent releases landed on November 11, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Changed | Debt Guide |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (5.7K ratings)](https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383/reviews) | **[4.8 (50 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews)** |
| Number of ratings | **5.7K** | 50 |
| Positive reviews | 41.7% of reviews | **61.5% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 9 days** | Every 3 months |
| Monetization | **Ad-supported** | Freemium |
| Size | 172 MB | 98 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) | [Hussain Mustafa](https://appshunter.io/developer/1247104628) |

## 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 spare change and scheduled transfers. Track all your debts in one place and choose from proven payoff strategies to save money on interest and achieve financial freedom.

**Highlights:** Automate extra debt payments, Round up purchases for debt payoff, Track all debt balances in one place, Support for Debt Snowball and Avalanche strategies, Estimate interest savings and payoff timeline, Customizable payoff plans

**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


### Debt Guide

[App page](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892)

Manage and track multiple debts with a personalized repayment plan. Utilize proven strategies like Snowball and Avalanche to pay off loans and credit cards faster. Visualize your progress with charts and receive payment reminders to stay on track.

**Highlights:** Personalized debt repayment plans, Snowball and Avalanche payoff methods, Track multiple loans and credit cards, Payment reminders and alerts, Interactive progress charts and graphs, Ad-free experience

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $39.99 | per year |
| Premium Yearly | $39.99 | per year |
| Premium Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is Changed free?

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

### Is Debt Guide free?

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

### Which has better reviews, Changed or Debt Guide?

Debt Guide is rated higher. Changed averages 4.6 out of 5 from 5.7K ratings, while Debt Guide averages 4.8 from 50 ratings.

### Do Changed or Debt Guide have ads?

Changed shows ads; Debt Guide does not.

### Which is updated more often, Changed or Debt Guide?

Changed ships an update every 9 days, and Debt Guide every 3 months. Most recently, Changed was updated on November 11, 2026 and Debt Guide on November 4, 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.*