# Debt Free vs SpendNote

The clearest difference is update cadence: SpendNote at every 3 days against Debt Free's weekly. Debt Free's advantage is device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.

Both are free to download. Debt Free sells 2 in-app purchases, starting at $1.99 per month and SpendNote sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Free ships an update weekly, SpendNote every 3 days. The most recent releases landed on October 28, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Debt Free | SpendNote |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (1K ratings)](https://appshunter.io/ios/app/debt-free-pay-off-debt-faster/id407366192/reviews)** | — |
| Number of ratings | **1K** | — |
| Positive reviews | 55.4% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Weekly | **Every 3 days** |
| Monetization | Free with in-app purchases | — |
| Size | 19 MB | 4 MB |
| Requires iOS | 18.6 | **17.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Mobile Innovations LLC](https://appshunter.io/developer/314316469) | [焕为 叶](https://appshunter.io/developer/6797354297) |

## What reviewers say

### Debt Free

[App page](https://appshunter.io/ios/app/debt-free-pay-off-debt-faster/id407366192)

This app helps you organize, monitor, and pay off your debts using the debt snowball method. Analyze repayment models to predict your debt-free date and save time and money. Includes built-in calculators for monthly payments, loans, and mortgages.

**Highlights:** Debt organization and monitoring, Debt snowball payoff method, Debt repayment modeling, Payment due date notifications, Multiple payoff strategies, Built-in financial calculators

**Features:** macOS Compatibility, Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Upgrade | $1.99 | per month |
| Pro Upgrade - Yearly | $9.99 | per year |

**What reviewers like**

- 👍 Helpful for estimating payoff dates
- 👍 Detailed debt repayment plans
- 👍 Motivating to see progress
- 👍 Easy to use and manage debt
- 👍 Useful for tracking and prioritizing debt

**What reviewers complain about**

- 🐛 Inaccurate debt calculations
- 🐛 Sync issues between devices
- 🐛 App crashes and bugs
- 🐛 Outdated and no longer functional
- 🐛 Clunky and outdated user interface

**Reported bugs**

- Incorrect debt payoff dates
- Payments not properly credited
- Compatibility issues with iOS 8 and newer
- Debt balance calculations not accurate

**Requested features**

- Add biweekly/weekly payment options
- Improve reporting and export functionality
- Implement password reset/recovery
- Provide better customer support


### SpendNote

[App page](https://appshunter.io/ios/app/spendnote-expense-tracker/id6797922071)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendNote Pro Monthly | $2.99 | per month |
| SpendNote Pro Yearly | $19.99 | per year |


## Frequently asked questions

### Is Debt Free free?

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

### Is SpendNote free?

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

### Do Debt Free or SpendNote have ads?

Neither Debt Free nor SpendNote shows ads.

### Which is updated more often, Debt Free or SpendNote?

Debt Free ships an update weekly, and SpendNote every 3 days. Most recently, Debt Free was updated on October 28, 2026 and SpendNote on October 14, 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.*