# AlmostZero vs PayAway

The clearest difference is rating: AlmostZero at 4.7 against PayAway's 4.1. AlmostZero also leads on ratings volume (78 vs 14). PayAway's advantage is update cadence (every 4 days vs every 2 weeks) and iOS requirement (15.0 vs 26.2). On price, review sentiment, ads and in-app purchases there is nothing between them.

Both are free to download. AlmostZero sells 13 in-app purchases, starting at $0.99 per month and PayAway sells 4 in-app purchases, starting at $2.49 per month. Whichever you choose, the download price is not the number that matters.

AlmostZero holds the better App Store score, 4.7 against 4.1. That said, the two scores are not equally well evidenced: AlmostZero has 78 ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 86% of AlmostZero's written reviews are positive against 82% of PayAway's.

AlmostZero ships an update every 2 weeks, PayAway every 4 days. The most recent releases landed on October 25, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | AlmostZero | PayAway |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (78 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews)** | [4.1 (14 ratings)](https://appshunter.io/ios/app/payaway-debt-payoff-planner/id6740789874/reviews) |
| Number of ratings | **78** | 14 |
| Positive reviews | **85.7% of reviews** | 81.8% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 4 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 224 MB | 21 MB |
| Requires iOS | 26.2 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600) | [Jack Maloney](https://appshunter.io/developer/1791666910) |

## What reviewers say

### AlmostZero

[App page](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024)

Manage all your debts, track spending, and set savings goals. Visualize your financial progress with clear charts and utilize proven repayment strategies to become debt-free faster. Gain a comprehensive view of your finances by linking debts to assets and access helpful financial education.

**Highlights:** Debt & Loan Management, Expense Tracking, Savings Goals, Link to Assets, Repayment Strategies (Snowball/Avalanche), Financial Education, Multiple Currencies

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

**In-app purchases (13)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Pro | $0.99 | per month |
| AlmostZero Pro Monthly | $4.99 | per month |
| AlmostZero Pro Yearly | $29.99 | per year |
| Tip | $0.99 | one-time |
| Tip | $2.99 | one-time |
| Tip | $3.99 | one-time |
| Tip | $5.99 | one-time |
| Tip | $7.99 | one-time |
| Tip | $12.99 | one-time |
| Lifetime Pro | $14.99 | one-time |
| Tip | $14.99 | one-time |
| Steak Dinner sized Tip | $19.99 | one-time |
| Lifetime AlmostZero Pro | $49.99 | one-time |


### PayAway

[App page](https://appshunter.io/ios/app/payaway-debt-payoff-planner/id6740789874)

This app helps you pay off debt faster and improve your credit score simultaneously. It offers personalized payoff plans, tracks all your debts, and uses a unique method to boost credit utilization while you eliminate balances.

**Highlights:** All-in-one debt tracker, Personalized payoff plans (Snowball, Avalanche, Custom), Smart debt payoff calculator, Exclusive credit utilization method, Budgeting and extra payment tracking, Progress tracking and alerts, Secure and private data storage

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PayAway+ | $2.49 | per month |
| PayAway+ - Yearly | $24.99 | per year |
| Remove Ads | $1.99 | one-time |
| PayAway+ Lifetime Subscription | $49.99 | one-time |


## Frequently asked questions

### Is AlmostZero free?

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

### Is PayAway free?

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

### Which has better reviews, AlmostZero or PayAway?

AlmostZero is rated higher. AlmostZero averages 4.7 out of 5 from 78 ratings, while PayAway averages 4.1 from 14 ratings.

### Do AlmostZero or PayAway have ads?

Neither AlmostZero nor PayAway shows ads.

### Which is updated more often, AlmostZero or PayAway?

AlmostZero ships an update every 2 weeks, and PayAway every 4 days. Most recently, AlmostZero was updated on October 25, 2026 and PayAway on October 23, 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.*