# PBS COBRA vs Contingency Zero

The clearest difference is in-app purchases: PBS COBRA at none against Contingency Zero's 4. PBS COBRA also leads on ads (none vs shown). Contingency Zero's advantage is update cadence (monthly vs every 4 months). On price, device support and iOS requirement there is nothing between them.

Both are free to download. Contingency Zero sells 4 in-app purchases, starting at $9.99 per month. PBS COBRA asks for nothing beyond the download.

PBS COBRA ships an update every 4 months, Contingency Zero monthly. The most recent releases landed on October 8, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | PBS COBRA | Contingency Zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (2 ratings)](https://appshunter.io/ios/app/contingency-zero/id6738165385/reviews)** |
| Number of ratings | — | **2** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | — | Free with in-app purchases |
| Size | 6 MB | 66 MB |
| Requires iOS | 17.0 | **16.6** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 17+ | 17+ |
| Developer | [Progressive Benefit Solutions](https://appshunter.io/developer/722500410) | [NULIA.US Corp.](https://appshunter.io/developer/1779666239) |

## What reviewers say

### PBS COBRA

[App page](https://appshunter.io/ios/app/pbs-cobra/id6447909629)

**Features:** Vision Pro support

**In-app purchases:** none


### Contingency Zero

[App page](https://appshunter.io/ios/app/contingency-zero/id6738165385)

This app helps you organize and secure important family information for emergencies. It allows you to create digital 'binders' for assets and share them with trusted contacts, ensuring your loved ones have access when they need it most.

**Highlights:** Zero-knowledge security architecture, Organize assets into customizable 'Binders', Flexible sharing of specific binders or entire plan, Control access permissions (Read Only, Full Access), Detailed version history for all entries, Step-by-step guidance through estate planning

**Features:** Family Sharing

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $9.99 | per month |
| 3 Months Subscription | $19.99 | per 3 months |
| 6 Months Subscription | $29.99 | per 6 months |
| 12 Months Subscription | $39.99 | per year |


## Frequently asked questions

### Is PBS COBRA free?

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

### Is Contingency Zero free?

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

### Do PBS COBRA or Contingency Zero have ads?

Contingency Zero shows ads; PBS COBRA does not.

### Which is updated more often, PBS COBRA or Contingency Zero?

PBS COBRA ships an update every 4 months, and Contingency Zero monthly. Most recently, PBS COBRA was updated on October 8, 2026 and Contingency Zero 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.*