# Debts vs Payoff! Auto

The clearest difference is price: Payoff! Auto at Free against Debts's $2.99. Payoff! Auto also leads on update cadence (every 3 weeks vs every 5 months) and review sentiment (88% vs 67%). Debts's advantage is ads (none vs shown) and chart position (#197 vs unranked). On in-app purchases, device support and iOS requirement there is nothing between them.

Payoff! Auto 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, Payoff! Auto every 3 weeks. The most recent releases landed on October 11, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | Debts | Payoff! Auto |
| --- | --- | --- |
| Price | $2.99 | **Free** |
| Rating | — | **[3.0 (2 ratings)](https://appshunter.io/ios/app/payoff-auto/id630050364/reviews)** |
| Number of ratings | — | **2** |
| Positive reviews | 66.7% of reviews | **87.5% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 5 months | **Every 3 weeks** |
| Monetization | Paid | **Ad-supported** |
| Best chart rank | **#197** | — |
| Size | 3 MB | 12 MB |
| Requires iOS | 14.1 | **14.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Coopla](https://appshunter.io/developer/322335418) | [PocketForge](https://appshunter.io/developer/630050367) |

## What reviewers say

### Debts

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

**Currently charting:** #197 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


### Payoff! Auto

[App page](https://appshunter.io/ios/app/payoff-auto/id630050364)

Calculate key car loan details like monthly payments, payoff dates, and total interest. Compare loan terms and interest rates to make informed financial decisions.

**Highlights:** Calculate monthly payment, Determine payoff date, Estimate total interest cost, Calculate total loan cost, Compare loan length vs. interest rate, Custom keypad for easy data entry

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Debts free?

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

### Is Payoff! Auto free?

Payoff! Auto is free to download, with no in-app purchases.

### Do Debts or Payoff! Auto have ads?

Payoff! Auto shows ads; Debts does not.

### Which is updated more often, Debts or Payoff! Auto?

Debts ships an update every 5 months, and Payoff! Auto every 3 weeks. Most recently, Debts was updated on October 11, 2026 and Payoff! Auto on September 30, 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.*