# PayBack vs ClearDebt

The clearest difference is rating: PayBack at 4.8 against ClearDebt's 3.5. PayBack also leads on monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 17.6). On price, review sentiment, ratings volume and update cadence there is nothing between them.

Both are free to download. PayBack sells 1 one-off in-app purchase and ClearDebt sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

PayBack holds the better App Store score, 4.8 against 3.5. Both are backed by a comparable volume of ratings — 5 and 2 respectively. Written reviews split almost evenly too, at 83% and 83% positive.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 23, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | PayBack | ClearDebt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5 ratings)](https://appshunter.io/ios/app/payback/id294486937/reviews)** | [3.5 (2 ratings)](https://appshunter.io/ios/app/cleardebt-snowball-planner/id6753349222/reviews) |
| Number of ratings | **5** | 2 |
| Positive reviews | 82.9% of reviews | **83.3% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 2 MB | 11 MB |
| Requires iOS | **13.0** | 17.6 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Andrew Cunningham](https://appshunter.io/developer/294486940) | [Joshy Joseph](https://appshunter.io/developer/548586421) |

## What reviewers say

### PayBack

[App page](https://appshunter.io/ios/app/payback/id294486937)

This app helps you easily track and settle shared expenses after group trips. It calculates who owes whom and minimizes the number of transactions needed for everyone to settle up, ensuring friendships remain intact.

**Highlights:** Track shared expenses, Calculate debts automatically, Minimize settlement transactions, Ideal for group trips, User-friendly interface

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Banner Ads | $0.99 | one-time |


### ClearDebt

[App page](https://appshunter.io/ios/app/cleardebt-snowball-planner/id6753349222)

This app helps you track, manage, and eliminate various types of debt. It offers payment reminders, a payoff simulator, and progress visualizations to motivate you towards financial freedom. Premium features include budgeting and advanced analytics.

**Highlights:** Track unlimited debts, Smart payment reminders, Payoff simulator, Progress visualizations, Budget integration (Premium), Advanced analytics (Premium)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtZero Premium | $4.99 | one-time |


## Frequently asked questions

### Is PayBack free?

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

### Is ClearDebt free?

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

### Which has better reviews, PayBack or ClearDebt?

PayBack is rated higher. PayBack averages 4.8 out of 5 from 5 ratings, while ClearDebt averages 3.5 from 2 ratings.

### Do PayBack or ClearDebt have ads?

Neither PayBack nor ClearDebt shows ads.

### Which is updated more often, PayBack or ClearDebt?

PayBack ships an update monthly, and ClearDebt monthly. Most recently, PayBack was updated on October 23, 2026 and ClearDebt on October 13, 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.*