# Changed vs Payoff Planner

The clearest difference is in-app purchases: Changed at none against Payoff Planner's 1. Changed also leads on ratings volume (5.7K vs 1) and update cadence (every 8 days vs every 4 weeks). Payoff Planner's advantage is ads (none vs shown) and rating (5.0 vs 4.6). On price, monetization model, device support and iOS requirement there is nothing between them.

Both are free to download. Payoff Planner sells 1 one-off in-app purchase. Changed asks for nothing beyond the download.

Payoff Planner holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Changed has 5.7K ratings behind it against 1, so its average is the more settled of the two.

Changed ships an update every 8 days, Payoff Planner every 4 weeks. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Changed | Payoff Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (5.7K ratings)](https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payoff-planner-debt-tracker/id6762224309/reviews)** |
| Number of ratings | **5.7K** | 1 |
| Positive reviews | 41.5% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 8 days** | Every 4 weeks |
| Monetization | Free with in-app purchases | Freemium |
| Size | 170 MB | 10 MB |
| Requires iOS | **17.6** | 18.6 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Changed Inc.](https://appshunter.io/developer/1164559382) | [Chad Pickard](https://appshunter.io/developer/1831075073) |

## 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


### Payoff Planner

[App page](https://appshunter.io/ios/app/payoff-planner-debt-tracker/id6762224309)

This app helps you create a personalized debt payoff plan based on your income and expenses. It calculates how much extra you can safely allocate to debt from each paycheck and guides you on which debt to tackle first for faster debt freedom.

**Highlights:** Paycheck-based payoff plans, Multiple payoff strategies (snowball, avalanche, custom), Calculates debt-free date and interest saved, Supports various debt types (credit cards, loans, mortgages), Bill reminders and payday nudges, Customizable currency support

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Planner Pro | $4.99 | one-time |


## Frequently asked questions

### Is Changed free?

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

### Is Payoff Planner free?

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

### Which has better reviews, Changed or Payoff Planner?

Payoff Planner is rated higher. Changed averages 4.6 out of 5 from 5.7K ratings, while Payoff Planner averages 5.0 from 1 ratings.

### Do Changed or Payoff Planner have ads?

Changed shows ads; Payoff Planner does not.

### Which is updated more often, Changed or Payoff Planner?

Changed ships an update every 8 days, and Payoff Planner every 4 weeks. Most recently, Changed was updated on November 2, 2026 and Payoff Planner on November 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.*