# PaidOff vs Debtless

The clearest difference is update cadence: PaidOff at every 5 days against Debtless's every 7 months. Debtless's advantage is monetization model (free vs ad-supported) and iOS requirement (18.2 vs 26.0). On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. PaidOff sells 2 in-app purchases, starting at $9.00 per month and Debtless sells 3 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for PaidOff against 5.0 for Debtless. Both are backed by a comparable volume of ratings — 8 and 5 respectively.

PaidOff ships an update every 5 days, Debtless every 7 months. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | PaidOff | Debtless |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (8 ratings)](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566/reviews) | [5.0 (5 ratings)](https://appshunter.io/ios/app/debtless/id6748594182/reviews) |
| Number of ratings | **8** | 5 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 7 months |
| Monetization | Ad-supported | **Free** |
| Size | 38 MB | 5 MB |
| Requires iOS | 26.0 | **18.2** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Andrew Aquino](https://appshunter.io/developer/1546163712) | [Logan Moore](https://appshunter.io/developer/382096113) |

## What reviewers say

### PaidOff

[App page](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566)

Manage all your debts in one place with detailed insights into your payoff journey. Customize amortization schedules and APRs to visualize your progress towards financial freedom and save money.

**Highlights:** Account Management, Complete Debt Profile, Full Customization, Progress Tracking, Visual UI

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PaidOff Plus Monthly | $9.00 | per month |
| PaidOff Plus Yearly | $72.00 | per year |


### Debtless

[App page](https://appshunter.io/ios/app/debtless/id6748594182)

This app helps you track and plan your debt payoff. It offers features like unlimited debt tracking, payment logging, and strategy comparison. All features are free with no ads or subscriptions, prioritizing user privacy by keeping data on-device.

**Highlights:** Unlimited debt tracking, Payment logging, Debt payoff strategy comparison, Projected debt-free date, On-device AI plan assistant, Statement extraction, Earn ideas tailored to skills

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Thanks for the Support! | $0.99 | one-time |
| You're Awesome! | $2.99 | one-time |
| You’re fueling development! | $4.99 | one-time |


## Frequently asked questions

### Is PaidOff free?

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

### Is Debtless free?

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

### Which has better reviews, PaidOff or Debtless?

PaidOff and Debtless are both rated 5.0 out of 5 on the App Store, from 8 and 5 ratings respectively.

### Do PaidOff or Debtless have ads?

Neither PaidOff nor Debtless shows ads.

### Which is updated more often, PaidOff or Debtless?

PaidOff ships an update every 5 days, and Debtless every 7 months. Most recently, PaidOff was updated on October 24, 2026 and Debtless on October 30, 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.*