# Changed vs Debt Payoff Tracker

The clearest difference is in-app purchases: Changed at none against Debt Payoff Tracker's 3. Changed also leads on update cadence (every 6 days vs every 3 months). Debt Payoff Tracker's advantage is ads (none vs shown). On price, device support and iOS requirement there is nothing between them.

Both are free to download. Debt Payoff Tracker sells 3 in-app purchases, starting at $4.99 per month. Changed asks for nothing beyond the download.

Changed ships an update every 6 days, Debt Payoff Tracker every 3 months. The most recent releases landed on October 17, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | Changed | Debt Payoff Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (5.6K ratings)](https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383/reviews)** | — |
| Number of ratings | **5.6K** | — |
| Positive reviews | 41.2% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 6 days** | Every 3 months |
| Monetization | Free with in-app purchases | — |
| Size | 167 MB | 4 MB |
| Requires iOS | **17.6** | 18 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Changed Inc.](https://appshunter.io/developer/1164559382) | [Karol Jaworski](https://appshunter.io/developer/1799974477) |

## 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


### Debt Payoff Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-tracker-zero/id6760733303)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro - First Year Offer | $39.99 | per year |
| Zero Pro Yearly | $39.99 | per year |


## Frequently asked questions

### Is Changed free?

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

### Is Debt Payoff Tracker free?

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

### Do Changed or Debt Payoff Tracker have ads?

Changed shows ads; Debt Payoff Tracker does not.

### Which is updated more often, Changed or Debt Payoff Tracker?

Changed ships an update every 6 days, and Debt Payoff Tracker every 3 months. Most recently, Changed was updated on October 17, 2026 and Debt Payoff Tracker on October 5, 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.*