# Debt Zero vs AlmostZero

The clearest difference is rating: AlmostZero at 4.7 against Debt Zero's 4.1. AlmostZero also leads on review sentiment (86% vs 75%) and ratings volume (78 vs 15). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Debt Zero sells 6 in-app purchases, starting at $1.99 per month and AlmostZero sells 13 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

AlmostZero holds the better App Store score, 4.7 against 4.1. That said, the two scores are not equally well evidenced: AlmostZero has 78 ratings behind it against 15, so its average is the more settled of the two. Written reviews point the same way: 75% of Debt Zero's written reviews are positive against 86% of AlmostZero's.

Debt Zero ships an update every 3 weeks, AlmostZero every 2 weeks. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Debt Zero | AlmostZero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (15 ratings)](https://appshunter.io/ios/app/debt-zero-snowball-calculator/id1531245557/reviews) | **[4.7 (78 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews)** |
| Number of ratings | 15 | **78** |
| Positive reviews | 75.0% of reviews | **85.7% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 208 MB | 224 MB |
| Requires iOS | **26.0** | 26.2 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Casi Knibbs](https://appshunter.io/developer/1521549479) | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) |

## What reviewers say

### Debt Zero

[App page](https://appshunter.io/ios/app/debt-zero-snowball-calculator/id1531245557)

This app helps you manage and pay off your debts using popular methods like snowball or avalanche. Plan your payments, track progress with timelines, and visualize savings. Personalize your experience and stay motivated with widgets.

**Highlights:** Debt payoff planning, Snowball and avalanche methods, Payment calendar, Progress tracking, Savings estimates, Customization options, Home screen widgets

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Enable All Features | $1.99 | per month |
| Enable All Features | $9.99 | per year |
| Enable All Features | $9.99 | per year |
| Enable All Features | $14.99 | per year |
| Unlock Themes & Icons | $1.99 | one-time |
| Enable All Features | $39.99 | one-time |


### AlmostZero

[App page](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024)

Manage all your debts, track spending, and set savings goals. Visualize your financial progress with clear charts and utilize proven repayment strategies to become debt-free faster. Gain a comprehensive view of your finances by linking debts to assets and access helpful financial education.

**Highlights:** Debt & Loan Management, Expense Tracking, Savings Goals, Link to Assets, Repayment Strategies (Snowball/Avalanche), Financial Education, Multiple Currencies

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

**In-app purchases (13)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Pro | $0.99 | per month |
| AlmostZero Pro Monthly | $4.99 | per month |
| AlmostZero Pro Yearly | $29.99 | per year |
| Tip | $0.99 | one-time |
| Tip | $2.99 | one-time |
| Tip | $3.99 | one-time |
| Tip | $5.99 | one-time |
| Tip | $7.99 | one-time |
| Tip | $12.99 | one-time |
| Lifetime Pro | $14.99 | one-time |
| Tip | $14.99 | one-time |
| Steak Dinner sized Tip | $19.99 | one-time |
| Lifetime AlmostZero Pro | $49.99 | one-time |


## Frequently asked questions

### Is Debt Zero free?

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

### Is AlmostZero free?

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

### Which has better reviews, Debt Zero or AlmostZero?

AlmostZero is rated higher. Debt Zero averages 4.1 out of 5 from 15 ratings, while AlmostZero averages 4.7 from 78 ratings.

### Do Debt Zero or AlmostZero have ads?

Neither Debt Zero nor AlmostZero shows ads.

### Which is updated more often, Debt Zero or AlmostZero?

Debt Zero ships an update every 3 weeks, and AlmostZero every 2 weeks. Most recently, Debt Zero was updated on October 24, 2026 and AlmostZero on October 25, 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.*