# Debbie vs weareshft

The clearest difference is ads: Debbie at none against weareshft's shown. Debbie also leads on update cadence (every 3 weeks vs every 5 months). weareshft's advantage is iOS requirement (12.4 vs 15.1). On price, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Debbie ships an update every 3 weeks, weareshft every 5 months. The most recent releases landed on October 24, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Debbie | weareshft |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (18K ratings)](https://appshunter.io/ios/app/debbie-payoff-save-earn/id1603676425/reviews)** | — |
| Number of ratings | **18K** | — |
| Positive reviews | 93.1% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 3 weeks** | Every 5 months |
| Monetization | Free | — |
| Size | 85 MB | 61 MB |
| Requires iOS | 15.1 | **12.4** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Debbie Inc](https://appshunter.io/developer/1603676427) | [SHFT DIGITAL LLC](https://appshunter.io/developer/1737173288) |

## What reviewers say

### Debbie

[App page](https://appshunter.io/ios/app/debbie-payoff-save-earn/id1603676425)

Earn cash rewards for achieving financial goals like paying off debt and building savings. Understand your money mindset through personalized challenges and courses to build wealth and stay debt-free.

**Highlights:** Cashback rewards for financial goals, Personalized payment and savings goals, Weekly financial challenges, Money psychology courses, Debt payoff and savings tracking, Access to lower interest rates

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💰 Earn money for paying off debt
- 📚 Helpful financial education modules
- 🎮 Gamified approach to money management
- 👍 Easy to use and intuitive interface
- 🤝 Great customer support

**What reviewers complain about**

- 🔒 Requires linking to specific credit union
- ⏱️ Long wait to cash out rewards
- 🐛 Connectivity issues with linked accounts
- 💸 Difficult to reach cash out threshold
- 🤔 Confusing or unclear features

**Reported bugs**

- Login/verification codes not working
- Modules freezing or not loading properly
- Inconsistent update of progress and rewards
- Inability to delete account or change phone number

**Requested features**

- Allow linking to any bank account
- Smaller cash out thresholds
- More personalized budgeting tools
- Ability to manually add accounts
- Faster account syncing


### weareshft

[App page](https://appshunter.io/ios/app/weareshft/id6479742297)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Debbie free?

Debbie is free to download, with no in-app purchases.

### Is weareshft free?

weareshft is free to download, with no in-app purchases.

### Do Debbie or weareshft have ads?

weareshft shows ads; Debbie does not.

### Which is updated more often, Debbie or weareshft?

Debbie ships an update every 3 weeks, and weareshft every 5 months. Most recently, Debbie was updated on October 24, 2026 and weareshft on October 10, 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.*