# ExpensePad vs Debt Payoff

The clearest difference is price: Debt Payoff at Free against ExpensePad's $3.99. ExpensePad's advantage is in-app purchases (none vs 2) and update cadence (every 8 days vs monthly). On ads, device support and iOS requirement there is nothing between them.

Debt Payoff is free to download; ExpensePad costs $3.99 up front. Debt Payoff sells 2 in-app purchases, starting at $3.99 per 7 days. ExpensePad asks for nothing beyond the download.

ExpensePad ships an update every 8 days, Debt Payoff monthly. The most recent releases landed on November 8, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | ExpensePad | Debt Payoff |
| --- | --- | --- |
| Price | $3.99 | **Free** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 8 days** | Monthly |
| Size | 18 MB | 1 MB |
| Requires iOS | 18.0 | **17.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Oscar De Moya](https://appshunter.io/developer/1236595635) | [App Harbour ApS](https://appshunter.io/developer/1858231299) |

## 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

[App page](https://appshunter.io/ios/app/debt-payoff-snowball-plan/id6770477558)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Premium | $3.99 | per 7 days |
| Annual Premium | $29.99 | per year |


## Frequently asked questions

### Is ExpensePad free?

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

### Is Debt Payoff free?

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

### Do ExpensePad or Debt Payoff have ads?

Neither ExpensePad nor Debt Payoff shows ads.

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

ExpensePad ships an update every 8 days, and Debt Payoff monthly. Most recently, ExpensePad was updated on November 8, 2026 and Debt Payoff 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.*