# My Debts vs Payplan

The clearest difference is device support: Payplan at 3 against My Debts's 1. Payplan also leads on iOS requirement (13.0 vs 18.6). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. My Debts sells 2 in-app purchases, starting at $2.99 per month and Payplan sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on November 3, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | My Debts | Payplan |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (9 ratings)](https://appshunter.io/ios/app/my-debts-control-and-payments/id1567080447/reviews)** | — |
| Number of ratings | **9** | — |
| Positive reviews | 71.4% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Weekly | Weekly |
| Monetization | Free with in-app purchases | — |
| Size | 40 MB | 26 MB |
| Requires iOS | 18.6 | **13.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [Ivan Andres Venegas Muniz](https://appshunter.io/developer/1563933609) | [Andre Salvador](https://appshunter.io/developer/1584863518) |

## What reviewers say

### My Debts

[App page](https://appshunter.io/ios/app/my-debts-control-and-payments/id1567080447)

Organize and track all your debts, bills, subscriptions, and daily expenses in one place. Receive timely payment reminders and view insightful spending reports to improve your savings and financial planning.

**Highlights:** Track debts, bills, and subscriptions, Log and categorize daily expenses, Scan receipts for faster expense entry, Payment reminders, Real-time debt and expense totals, Spending reports with charts, Home screen widgets, Siri Shortcuts integration

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $2.99 | per month |
| Premium Annual | $29.99 | per year |


### Payplan

[App page](https://appshunter.io/ios/app/payplan/id6450763738)

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Sem anúncios | $0.99 | one-time |


## Frequently asked questions

### Is My Debts free?

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

### Is Payplan free?

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

### Do My Debts or Payplan have ads?

Both My Debts and Payplan show ads.

### Which is updated more often, My Debts or Payplan?

My Debts ships an update weekly, and Payplan weekly. Most recently, My Debts was updated on November 3, 2026 and Payplan 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.*