# Debts vs Changed

The clearest difference is price: Changed at Free against Debts's $2.99. Changed also leads on update cadence (weekly vs every 5 months). Debts's advantage is ads (none vs shown) and review sentiment (67% vs 42%). On in-app purchases and device support there is nothing between them.

Changed is free to download; Debts costs $2.99 up front. Neither carries in-app purchases, so what you see is what you pay.

Debts ships an update every 5 months, Changed weekly. Both last shipped on October 24, 2026.

## The numbers

| Metric | Debts | Changed |
| --- | --- | --- |
| Price | $2.99 | **Free** |
| Rating | — | **[4.6 (5.7K ratings)](https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383/reviews)** |
| Number of ratings | — | **5.7K** |
| Positive reviews | **66.7% of reviews** | 41.5% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 5 months | **Weekly** |
| Monetization | Paid | **Free with in-app purchases** |
| Best chart rank | **#175** | — |
| Size | 3 MB | 167 MB |
| Requires iOS | **14.1** | 17.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Coopla](https://appshunter.io/developer/322335418) | [Changed Inc.](https://appshunter.io/developer/1164559382) |

## What reviewers say

### Debts

[App page](https://appshunter.io/ios/app/debts/id363447040)

**Currently charting:** #175 Top Paid · Finance (US App Store)

This app helps you manage and pay off your debts. Track payments, get reminders, and use a built-in estimator to plan your payoff strategy, including the debt snowball method. Export reports and manage multiple currencies.

**Highlights:** Track debt and payments, Payment schedule and reminders, Debt payoff estimator, Debt snowball method support, Export reports (CSV/PDF), Multi-currency support

**In-app purchases:** none


### Changed

[App page](https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383)

This app helps you pay off debt faster by automating extra payments from everyday purchases and allowing you to track all your balances in one place. It supports various proven payoff strategies and calculates potential interest savings.

**Highlights:** Automated extra payments, Round up purchases, Track all debt types, Debt Snowball strategy, Debt Avalanche strategy, Interest savings calculator

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Helpful in paying off loans
- 💡 Automatic debt payments
- 👍 Easy to use
- 🤑 Saves money without noticing
- 🎉 Motivating to see progress

**What reviewers complain about**

- 🐛 Connectivity issues with accounts
- 🕰️ Slow payment processing
- 💸 Subscription fees
- 🤖 Poor customer support
- 🔒 Difficulty accessing/withdrawing funds

**Reported bugs**

- App freezing or crashing
- Incorrect loan balance tracking
- Payments not showing up on loan accounts
- Withdrawal/refund issues
- Syncing problems with bank/loan accounts

**Requested features**

- More customization options
- Faster payment processing
- Ability to manage multiple loans
- Mobile app improvements
- Better communication with users


## Frequently asked questions

### Is Debts free?

Debts costs $2.99, with no in-app purchases.

### Is Changed free?

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

### Do Debts or Changed have ads?

Changed shows ads; Debts does not.

### Which is updated more often, Debts or Changed?

Debts ships an update every 5 months, and Changed weekly. Most recently, Debts was updated on October 24, 2026 and Changed on October 24, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*