# Debty vs Payoff

The clearest difference is update cadence: Debty at every 5 days against Payoff's every 5 months. Payoff's advantage is iOS requirement (15.0 vs 18.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Debty sells 3 in-app purchases, starting at $2.99 per month and Payoff sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Debty ships an update every 5 days, Payoff every 5 months. The most recent releases landed on October 23, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Debty | Payoff |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (138 ratings)](https://appshunter.io/ios/app/debty-private-debt-tracker/id1560139068/reviews)** | — |
| Number of ratings | **138** | — |
| Positive reviews | 69.1% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 5 months |
| Monetization | Free with in-app purchases | — |
| Size | 17 MB | 5 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | **iPhone, iPad, Mac, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Derg AB](https://appshunter.io/developer/1315368385) | [Sandeep Mysore](https://appshunter.io/developer/1892943448) |

## What reviewers say

### Debty

[App page](https://appshunter.io/ios/app/debty-private-debt-tracker/id1560139068)

Easily manage and track personal debts, loans, and shared expenses. Record money owed or owing, with automatic calculations and reminders to ensure you never miss a payment. Syncs across devices for seamless financial management.

**Highlights:** Track debts and loans, Manage shared expenses, Automatic calculations, Payment reminders, iCloud synchronization, Intuitive interface

**Features:** Apple Watch app, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $2.99 | per month |
| Quarterly | $8.99 | per 3 months |
| Annual | $24.99 | per year |

**What reviewers like**

- 👍 Simple and straightforward interface
- ✨ Attractive and clean UI
- 🚀 Fast to add records
- ✅ No ads or unnecessary features
- 💰 Optional subscription model

**What reviewers complain about**

- 💸 Introduction of subscription model
- ⚠️ Free version has limitations (e.g., 3 debtors)
- 💰 FaceID unlock is paid
- 🔄 Frequent updates can be disruptive
- 🗑️ Data loss issues reported

**Reported bugs**

- App crashes when adding new debtor (after premium)
- App crashes when deleting a transaction
- App crashes on startup after update
- App crashes and data is lost
- All records disappeared after an update

**Requested features**

- Filter out 0 owed amounts
- Sort by total amount
- Automatic repayment options
- Cloud backup option
- iOS 26 style


### Payoff

[App page](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Premium | $2.99 | one-time |


## Frequently asked questions

### Is Debty free?

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

### Is Payoff free?

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

### Do Debty or Payoff have ads?

Neither Debty nor Payoff shows ads.

### Which is updated more often, Debty or Payoff?

Debty ships an update every 5 days, and Payoff every 5 months. Most recently, Debty was updated on October 23, 2026 and Payoff on October 19, 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.*