# ExpensePad vs Debt Payoff Tracker

The clearest difference is price: Debt Payoff Tracker at Free against ExpensePad's $3.99. ExpensePad's advantage is in-app purchases (none vs 3) and update cadence (every 8 days vs every 3 months). On ads, device support and iOS requirement there is nothing between them.

Debt Payoff Tracker is free to download; ExpensePad costs $3.99 up front. Debt Payoff Tracker sells 3 in-app purchases, starting at $4.99 per month. ExpensePad asks for nothing beyond the download.

ExpensePad ships an update every 8 days, Debt Payoff Tracker every 3 months. Both last shipped on October 25, 2026.

## The numbers

| Metric | ExpensePad | Debt Payoff Tracker |
| --- | --- | --- |
| Price | $3.99 | **Free** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 8 days** | Every 3 months |
| Size | 18 MB | 4 MB |
| Requires iOS | 18.0 | 18 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Oscar De Moya](https://appshunter.io/developer/1236595635) | [Karol Jaworski](https://appshunter.io/developer/1799974477) |

## What reviewers say

### ExpensePad

[App page](https://appshunter.io/ios/app/expensepad-spending-tracker/id6504459640)

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

**In-app purchases:** none


### Debt Payoff Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-tracker-zero/id6760733303)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro - First Year Offer | $39.99 | per year |
| Zero Pro Yearly | $39.99 | per year |


## Frequently asked questions

### Is ExpensePad free?

ExpensePad costs $3.99, with no in-app purchases.

### Is Debt Payoff Tracker free?

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

### Do ExpensePad or Debt Payoff Tracker have ads?

Neither ExpensePad nor Debt Payoff Tracker shows ads.

### Which is updated more often, ExpensePad or Debt Payoff Tracker?

ExpensePad ships an update every 8 days, and Debt Payoff Tracker every 3 months. Most recently, ExpensePad was updated on October 25, 2026 and Debt Payoff Tracker on October 25, 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.*