# PaidOff vs Payoff

The clearest difference is update cadence: PaidOff at every 5 days against Payoff's every 5 months. PaidOff also leads on monetization model (ad-supported vs freemium) and ratings volume (8 vs 1). Payoff's advantage is iOS requirement (15.0 vs 26.0). On price, rating, review sentiment 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 Payoff sells 1 one-off in-app purchase. 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 Payoff. That said, the two scores are not equally well evidenced: PaidOff has 8 ratings behind it against 1, so its average is the more settled of the two. Written reviews split almost evenly too, at 100% and 100% positive.

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

## The numbers

| Metric | PaidOff | Payoff |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (8 ratings)](https://appshunter.io/ios/app/paidoff-debt-tracker/id6618116566/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093/reviews) |
| Number of ratings | **8** | 1 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 5 months |
| Monetization | **Ad-supported** | Freemium |
| Size | 38 MB | 5 MB |
| Requires iOS | 26.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Andrew Aquino](https://appshunter.io/developer/1546163712) | [Sandeep Mysore](https://appshunter.io/developer/1892943448) |

## 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 |


### Payoff

[App page](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093)

This app helps you create a personalized plan to pay off your debts efficiently. It compares different payoff strategies, tracks your progress, and sends due date reminders. You can visualize savings and share milestones.

**Highlights:** Personalized monthly debt payoff plan, Comparison of payoff strategies (Avalanche, Snowball, etc.), Progress tracking and debt-free countdown, Due date reminders, Home screen widget, Privacy-focused with no ads or analytics

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Premium | $2.99 | one-time |


## Frequently asked questions

### Is PaidOff free?

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

### Is Payoff free?

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

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

PaidOff and Payoff are both rated 5.0 out of 5 on the App Store, from 8 and 1 ratings respectively.

### Do PaidOff or Payoff have ads?

Neither PaidOff nor Payoff shows ads.

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

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