# XSD vs Debt Guide

The clearest difference is price: Debt Guide at Free against XSD's $4.99. XSD's advantage is in-app purchases (none vs 4). On update cadence, ads, device support and iOS requirement there is nothing between them.

Debt Guide is free to download; XSD costs $4.99 up front. Debt Guide sells 4 in-app purchases, starting at $9.99 per month. XSD asks for nothing beyond the download.

XSD ships an update every 5 months, Debt Guide every 3 months. The most recent releases landed on October 5, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | XSD | Debt Guide |
| --- | --- | --- |
| Price | $4.99 | **Free** |
| Rating | — | **[4.8 (49 ratings)](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892/reviews)** |
| Number of ratings | — | **49** |
| Positive reviews | — | 61.5% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 3 months** |
| Monetization | — | Freemium |
| Size | 1 MB | 98 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Marco Tini](https://appshunter.io/developer/544232459) | [Hussain Mustafa](https://appshunter.io/developer/1247104628) |

## What reviewers say

### XSD

[App page](https://appshunter.io/ios/app/xsd/id6740878645)

**Features:** macOS Compatibility

**In-app purchases:** none


### Debt Guide

[App page](https://appshunter.io/ios/app/debt-guide-payoff-planner/id6742562892)

Manage and track multiple debts with a personalized repayment plan. Utilize proven strategies like Snowball and Avalanche to pay off loans and credit cards faster. Visualize your progress with charts and receive payment reminders to stay on track.

**Highlights:** Personalized debt repayment plans, Snowball and Avalanche payoff methods, Track multiple loans and credit cards, Payment reminders and alerts, Interactive progress charts and graphs, Ad-free experience

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $9.99 | per month |
| Premium Yearly | $39.99 | per year |
| Premium Yearly | $39.99 | per year |
| Premium Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is XSD free?

XSD costs $4.99, with no in-app purchases.

### Is Debt Guide free?

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

### Do XSD or Debt Guide have ads?

Neither XSD nor Debt Guide shows ads.

### Which is updated more often, XSD or Debt Guide?

XSD ships an update every 5 months, and Debt Guide every 3 months. Most recently, XSD was updated on October 5, 2026 and Debt Guide on October 20, 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.*