# PayBack vs Payback

The clearest difference is update cadence: Payback at weekly against PayBack's monthly. PayBack's advantage is iOS requirement (13.0 vs 17.2). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. PayBack sells 1 one-off in-app purchase and Payback sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

PayBack ships an update monthly, Payback weekly. The most recent releases landed on October 17, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | PayBack | Payback |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5 ratings)](https://appshunter.io/ios/app/payback/id294486937/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | 82.9% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | Free | — |
| Size | 2 MB | 4 MB |
| Requires iOS | **13.0** | 17.2 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Andrew Cunningham](https://appshunter.io/developer/294486940) | [Joshua Crellin](https://appshunter.io/developer/1859115556) |

## 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 |


### Payback

[App page](https://appshunter.io/ios/app/payback-debt-and-iou-tracker/id6756201066)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Plus Monthly | $3.99 | per month |
| Plus Yearly | $29.99 | per year |
| Plus Lifetime | $99.99 | one-time |


## Frequently asked questions

### Is PayBack free?

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

### Is Payback free?

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

### Do PayBack or Payback have ads?

Neither PayBack nor Payback shows ads.

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

PayBack ships an update monthly, and Payback weekly. Most recently, PayBack was updated on October 17, 2026 and Payback on October 8, 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.*