# 百齐管家 vs Debt Payoff Tracker

The clearest difference is in-app purchases: 百齐管家 at none against Debt Payoff Tracker's 3. 百齐管家 also leads on iOS requirement (12.0 vs 18). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Debt Payoff Tracker sells 3 in-app purchases, starting at $4.99 per month. 百齐管家 asks for nothing beyond the download.

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on October 10, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | 百齐管家 | Debt Payoff Tracker |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Size | 18 MB | 4 MB |
| Requires iOS | **12.0** | 18 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Ji'an Baiqi Financial Information Services Co., Ltd.](https://appshunter.io/developer/1473365702) | [Karol Jaworski](https://appshunter.io/developer/1799974477) |

## What reviewers say

### 百齐管家

[App page](https://appshunter.io/ios/app/id1473565061)

**Features:** macOS Compatibility

**In-app purchases:** none


### 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 百齐管家 free?

百齐管家 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 百齐管家 or Debt Payoff Tracker have ads?

Neither 百齐管家 nor Debt Payoff Tracker shows ads.

### Which is updated more often, 百齐管家 or Debt Payoff Tracker?

百齐管家 ships an update every 3 months, and Debt Payoff Tracker every 3 months. Most recently, 百齐管家 was updated on October 10, 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.*