# AlmostZero vs Debt Guide

AlmostZero and Debt Guide both sit at 4.8 stars, but that hides the real split: 86% of AlmostZero's written reviews are positive against 58% of Debt Guide's. AlmostZero also leads on update cadence (every 2 weeks vs every 3 months). Debt Guide's advantage is iOS requirement (15.0 vs 26.2). On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. AlmostZero sells 13 in-app purchases, starting at $0.99 per month and Debt Guide sells 4 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 4.8 for AlmostZero against 4.8 for Debt Guide. Both are backed by a comparable volume of ratings — 75 and 49 respectively. Written reviews are what separate them: 86% of AlmostZero's written reviews are positive against 58% of Debt Guide's.

AlmostZero ships an update every 2 weeks, Debt Guide every 3 months. Both last shipped on September 21, 2026.

## The numbers

| Metric | AlmostZero | Debt Guide |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (75 ratings)](https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews) | [4.8 (49 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews) |
| Number of ratings | **75** | 49 |
| Positive reviews | **85.7% of reviews** | 58.3% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 months |
| Monetization | Free with in-app purchases | Freemium |
| Size | 224 MB | 98 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) | [Hussain Mustafa](https://appshunter.io/developer/1247104628) |

## 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 |


### Debt Guide

[App page](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892)

Manage and track multiple debts with a personalized repayment plan. Utilize proven strategies like Snowball and Avalanche to pay off loans and credit cards faster. Visualize your progress with charts and receive payment reminders to stay on track.

**Highlights:** Personalized debt repayment plans, Snowball and Avalanche payoff methods, Track multiple loans and credit cards, Payment reminders and alerts, Interactive progress charts and graphs, Ad-free experience

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $39.99 | per year |
| Premium Yearly | $39.99 | per year |
| Premium Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is AlmostZero free?

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

### Is Debt Guide free?

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

### Which has better reviews, AlmostZero or Debt Guide?

AlmostZero and Debt Guide are both rated 4.8 out of 5 on the App Store, from 75 and 49 ratings respectively.

### Do AlmostZero or Debt Guide have ads?

Neither AlmostZero nor Debt Guide shows ads.

### Which is updated more often, AlmostZero or Debt Guide?

AlmostZero ships an update every 2 weeks, and Debt Guide every 3 months. Most recently, AlmostZero was updated on September 21, 2026 and Debt Guide on September 21, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*