# Embr Burn Your Debts vs Payoff

The clearest difference is price: Payoff at Free against Embr Burn Your Debts's $3.99. Payoff also leads on iOS requirement (15.0 vs 18.0). Embr Burn Your Debts's advantage is in-app purchases (none vs 1) and update cadence (every 3 weeks vs every 5 months). On ads and device support there is nothing between them.

Payoff is free to download; Embr Burn Your Debts costs $3.99 up front. Payoff sells 1 one-off in-app purchase. Embr Burn Your Debts asks for nothing beyond the download.

Embr Burn Your Debts ships an update every 3 weeks, Payoff every 5 months. The most recent releases landed on October 25, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Embr Burn Your Debts | Payoff |
| --- | --- | --- |
| Price | $3.99 | **Free** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 5 months |
| Size | 10 MB | 5 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Blaine Miller](https://appshunter.io/developer/1348196068) | [Sandeep Mysore](https://appshunter.io/developer/1892943448) |

## What reviewers say

### Embr Burn Your Debts

[App page](https://appshunter.io/ios/app/embr-burn-your-debts/id6727006089)

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases:** none


### Payoff

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

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

**In-app purchases (1)**

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


## Frequently asked questions

### Is Embr Burn Your Debts free?

Embr Burn Your Debts costs $3.99, with no in-app purchases.

### Is Payoff free?

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

### Do Embr Burn Your Debts or Payoff have ads?

Neither Embr Burn Your Debts nor Payoff shows ads.

### Which is updated more often, Embr Burn Your Debts or Payoff?

Embr Burn Your Debts ships an update every 3 weeks, and Payoff every 5 months. Most recently, Embr Burn Your Debts was updated on October 25, 2026 and Payoff on October 28, 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.*