# iPay vs Debt Tracker by UnDebt

The clearest difference is in-app purchases: iPay at none against Debt Tracker by UnDebt's 2. iPay also leads on iOS requirement (15.6 vs 17.0). Debt Tracker by UnDebt's advantage is update cadence (every 5 days vs every 10 months). On price, ads and device support there is nothing between them.

Both are free to download. Debt Tracker by UnDebt sells 2 in-app purchases, starting at $3.99 per month. iPay asks for nothing beyond the download.

iPay ships an update every 10 months, Debt Tracker by UnDebt every 5 days. The most recent releases landed on October 6, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | iPay | Debt Tracker by UnDebt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (4 ratings)](https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488/reviews)** |
| Number of ratings | — | **4** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 10 months | **Every 5 days** |
| Monetization | — | Free with in-app purchases |
| Size | 39 MB | 21 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Imdadul Haque](https://appshunter.io/developer/1769561251) | [Adam Jessop](https://appshunter.io/developer/1728400867) |

## What reviewers say

### iPay

[App page](https://appshunter.io/ios/app/ipay-collection-services/id6702017670)

**Features:** macOS Compatibility

**In-app purchases:** none


### Debt Tracker by UnDebt

[App page](https://appshunter.io/ios/app/debt-tracker-by-undebt/id6744000488)

Easily manage all your debts and loans in one place. Track payments, interest, and categorize your financial obligations to stay organized and on the path to financial freedom.

**Highlights:** Custom debt categories, Interest rate tracking, Track lent and borrowed money, Debt summary and progress tracking, Payment recording, Simple, easy-to-use interface

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $3.99 | per month |
| 12 Month Subscription | $19.99 | per year |


## Frequently asked questions

### Is iPay free?

iPay is free to download, with no in-app purchases.

### Is Debt Tracker by UnDebt free?

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

### Do iPay or Debt Tracker by UnDebt have ads?

Neither iPay nor Debt Tracker by UnDebt shows ads.

### Which is updated more often, iPay or Debt Tracker by UnDebt?

iPay ships an update every 10 months, and Debt Tracker by UnDebt every 5 days. Most recently, iPay was updated on October 6, 2026 and Debt Tracker by UnDebt on October 24, 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.*