# Debt Tracker vs Paycheck Budgeting

The clearest difference is in-app purchases: Debt Tracker at none against Paycheck Budgeting's 2. Debt Tracker also leads on ads (none vs shown). On price, update cadence, device support and iOS requirement there is nothing between them.

Both are free to download. Paycheck Budgeting sells 2 one-off in-app purchases. Debt Tracker asks for nothing beyond the download.

Debt Tracker ships an update every 11 days, Paycheck Budgeting every 2 weeks. The most recent releases landed on November 3, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Debt Tracker | Paycheck Budgeting |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 11 days** | Every 2 weeks |
| Size | 42 MB | 47 MB |
| Requires iOS | **15.6** | 16.4 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [JetUp Digital, TOV](https://appshunter.io/developer/1476236715) | [Tomas Oplistil](https://appshunter.io/developer/6820237272) |

## What reviewers say

### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-loan-reminder/id6470035317)

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

**In-app purchases:** none


### Paycheck Budgeting

[App page](https://appshunter.io/ios/app/paycheck-budgeting/id6820282282)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove ads | $2.99 | one-time |
| Paycheck Pro | $6.99 | one-time |


## Frequently asked questions

### Is Debt Tracker free?

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

### Is Paycheck Budgeting free?

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

### Do Debt Tracker or Paycheck Budgeting have ads?

Paycheck Budgeting shows ads; Debt Tracker does not.

### Which is updated more often, Debt Tracker or Paycheck Budgeting?

Debt Tracker ships an update every 11 days, and Paycheck Budgeting every 2 weeks. Most recently, Debt Tracker was updated on November 3, 2026 and Paycheck Budgeting on November 6, 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.*