# Debt Note vs Loan & Payment Calculator

The clearest difference is in-app purchases: Loan & Payment Calculator at none against Debt Note's 3. Loan & Payment Calculator also leads on update cadence (monthly vs every 15 months). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Debt Note sells 3 in-app purchases, starting at $2.99 per 3 months. Loan & Payment Calculator asks for nothing beyond the download.

Debt Note ships an update every 15 months, Loan & Payment Calculator monthly. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Debt Note | Loan & Payment Calculator |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 15 months | **Monthly** |
| Monetization | Freemium | — |
| Size | 1 MB | 1 MB |
| Requires iOS | **17.0** | 17.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Oleksandr Shtykhno](https://appshunter.io/developer/1688053237) | [Halil Can Ugur](https://appshunter.io/developer/1765607029) |

## What reviewers say

### Debt Note

[App page](https://appshunter.io/ios/app/debt-note/id6449201046)

Easily track and manage all your financial obligations, whether you're lending or borrowing. This iOS app helps you keep a clear record of debts to friends, family, or colleagues, ensuring no amount is forgotten.

**Highlights:** Track debt notes, Manage financial obligations, Record lent and borrowed funds, User-friendly interface, iOS compatible

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| All access - Quarterly renewal | $2.99 | per 3 months |
| All Access | $9.99 | per year |
| All access - Annual renewal | $9.99 | per year |


### Loan & Payment Calculator

[App page](https://appshunter.io/ios/app/loan-and-payment-calculator/id6742165283)

**In-app purchases:** none


## Frequently asked questions

### Is Debt Note free?

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

### Is Loan & Payment Calculator free?

Loan & Payment Calculator is free to download, with no in-app purchases.

### Do Debt Note or Loan & Payment Calculator have ads?

Neither Debt Note nor Loan & Payment Calculator shows ads.

### Which is updated more often, Debt Note or Loan & Payment Calculator?

Debt Note ships an update every 15 months, and Loan & Payment Calculator monthly. Most recently, Debt Note was updated on November 3, 2026 and Loan & Payment Calculator on October 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.*