# Debt Control vs iPay

The clearest difference is in-app purchases: iPay at none against Debt Control's 3. Debt Control's advantage is update cadence (every 2 months vs every 10 months) and iOS requirement (13.0 vs 15.6). On price, ads and device support there is nothing between them.

Both are free to download. Debt Control sells 3 one-off in-app purchases. iPay asks for nothing beyond the download.

Debt Control ships an update every 2 months, iPay every 10 months. The most recent releases landed on November 2, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | Debt Control | iPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (33 ratings)](https://appshunter.io/ios/app/debt-control-payoff-planner/id1315617808/reviews)** | — |
| Number of ratings | **33** | — |
| Positive reviews | 64.2% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 10 months |
| Monetization | Free with in-app purchases | — |
| Size | 23 MB | 39 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [CleverPumpkin Ltd.](https://appshunter.io/developer/826318670) | [Imdadul Haque](https://appshunter.io/developer/1769561251) |

## What reviewers say

### Debt Control

[App page](https://appshunter.io/ios/app/debt-control-payoff-planner/id1315617808)

Manage all your debts and loans in one place. Track who owes you money and who you owe, with support for multiple currencies and payment reminders. View your debt history and get an overview of your financial commitments.

**Highlights:** Track money owed and borrowed, Support for multiple currencies, Payment period indication, Customizable reminders, Consolidated list of contacts and debts, Debt history log

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $0.99 | one-time |
| Premium | $2.99 | one-time |
| Premium | $4.99 | one-time |


### iPay

[App page](https://appshunter.io/ios/app/ipay-collection-services/id6702017670)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Debt Control free?

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

### Is iPay free?

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

### Do Debt Control or iPay have ads?

Neither Debt Control nor iPay shows ads.

### Which is updated more often, Debt Control or iPay?

Debt Control ships an update every 2 months, and iPay every 10 months. Most recently, Debt Control was updated on November 2, 2026 and iPay on October 27, 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.*