# CFTPay vs My Debt Freedom

The clearest difference is rating: My Debt Freedom at 5.0 against CFTPay's 2.3. My Debt Freedom also leads on update cadence (fortnightly vs every 6 weeks). CFTPay's advantage is in-app purchases (none vs 2) and ratings volume (32 vs 1). On price, ads and device support there is nothing between them.

Both are free to download. My Debt Freedom sells 2 in-app purchases, starting at $4.99 per month. CFTPay asks for nothing beyond the download.

My Debt Freedom holds the better App Store score, 5.0 against 2.3. That said, the two scores are not equally well evidenced: CFTPay has 32 ratings behind it against 1, so its average is the more settled of the two.

CFTPay ships an update every 6 weeks, My Debt Freedom fortnightly. The most recent releases landed on November 2, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | CFTPay | My Debt Freedom |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (32 ratings)](https://appshunter.io/ios/app/cftpay/id1452761792/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/my-debt-freedom/id6801859417/reviews)** |
| Number of ratings | **32** | 1 |
| Positive reviews | 10.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | **Free** | Freemium |
| Size | 33 MB | 6 MB |
| Requires iOS | **15.1** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Finxera Inc.](https://appshunter.io/developer/1452761791) | [MATTHEW ALLEN CHAPMAN](https://appshunter.io/developer/6785641563) |

## What reviewers say

### CFTPay

[App page](https://appshunter.io/ios/app/cftpay/id1452761792)

Manage your special purpose account for debt settlement with ease. Check balances, monitor transactions, view statements, and contact support directly from your mobile device.

**Highlights:** View account balance, Monitor transactions, Check deposit dates, Download account statements, Review profile information, Contact customer support

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

**In-app purchases:** none


### My Debt Freedom

[App page](https://appshunter.io/ios/app/my-debt-freedom/id6801859417)

This privacy-first app helps you plan your debt payoff journey. Track all your loans and balances for free, and unlock a personalized payoff date and strategy with an optional subscription. Stay motivated with progress tracking and reminders.

**Highlights:** Debt tracking for cards and loans, Privacy-first, no account needed, Snowball or avalanche payoff methods, Log actual payments made, Progress tracking and awards, Due date reminders, Found Money feature for extra payments

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Freedom Monthly | $4.99 | per month |
| Freedom Yearly | $39.99 | per year |


## Frequently asked questions

### Is CFTPay free?

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

### Is My Debt Freedom free?

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

### Which has better reviews, CFTPay or My Debt Freedom?

My Debt Freedom is rated higher. CFTPay averages 2.3 out of 5 from 32 ratings, while My Debt Freedom averages 5.0 from 1 ratings.

### Do CFTPay or My Debt Freedom have ads?

Neither CFTPay nor My Debt Freedom shows ads.

### Which is updated more often, CFTPay or My Debt Freedom?

CFTPay ships an update every 6 weeks, and My Debt Freedom fortnightly. Most recently, CFTPay was updated on November 2, 2026 and My Debt Freedom on October 31, 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.*