# Debt Tracker vs Paydown

The clearest difference is update cadence: Paydown at every 10 days against Debt Tracker's every 5 weeks. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Debt Tracker sells 3 in-app purchases, starting at $0.99 per month and Paydown sells 3 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Tracker ships an update every 5 weeks, Paydown every 10 days. The most recent releases landed on October 24, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | Debt Tracker | Paydown |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (105 ratings)](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142/reviews)** | — |
| Number of ratings | **105** | — |
| Positive reviews | 63.6% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 10 days** |
| Monetization | Free with in-app purchases | — |
| Size | 38 MB | 4 MB |
| Requires iOS | **16.4** | 17.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [AppFlux Labs](https://appshunter.io/developer/1882687293) | [Onur Tavil](https://appshunter.io/developer/6771764983) |

## What reviewers say

### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-debts/id1507396142)

Easily manage all your financial commitments, whether you owe money or are owed. Track debts and receivables by currency, plan your debt payoff, and monitor monthly progress. Stay organized and in control of your finances with this intuitive money tracking app.

**Highlights:** Manage debts and receivables, Separate by currency, Debt payoff planner, Monthly status tracking, Payment tracker, Money tracking

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Month | $0.99 | per month |
| 12 Months | $4.99 | per year |
| Lifetime | $9.99 | one-time |


### Paydown

[App page](https://appshunter.io/ios/app/paydown-budget-and-expense/id6794654062)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Paydown Pro — Monthly | $2.99 | per month |
| Paydown Pro — Yearly | $29.99 | per year |
| Paydown Pro — Lifetime | $99.99 | one-time |


## Frequently asked questions

### Is Debt Tracker free?

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

### Is Paydown free?

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

### Do Debt Tracker or Paydown have ads?

Neither Debt Tracker nor Paydown shows ads.

### Which is updated more often, Debt Tracker or Paydown?

Debt Tracker ships an update every 5 weeks, and Paydown every 10 days. Most recently, Debt Tracker was updated on October 24, 2026 and Paydown on October 9, 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.*