# Debt Payoff Planner vs Zero

The clearest difference is iOS requirement: Zero at 17.0 against Debt Payoff Planner's 26.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Debt Payoff Planner sells 2 in-app purchases, starting at $4.99 per month and Zero sells 4 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

Debt Payoff Planner ships an update fortnightly, Zero weekly. The most recent releases landed on September 22, 2026 and September 1, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner | Zero |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | Freemium | — |
| Size | 31 MB | 2 MB |
| Requires iOS | 26.0 | **17.0** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Linas Nutautas](https://appshunter.io/developer/1738774097) | [APPCITY Limited Liability Company](https://appshunter.io/developer/1534242389) |

## What reviewers say

### Debt Payoff Planner

[App page](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524)

Create a personalized plan to become debt-free by tracking loans, credit cards, and mortgages. Compare payoff strategies, log payments, and visualize your progress towards financial freedom.

**Highlights:** Personalized debt payoff plans, Track loans, credit cards, and mortgages, Compare Snowball, Avalanche, and Cash Flow strategies, Log payments and track progress, Debt-free date countdown, Payment reminders and overdue alerts, Works offline

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Debt Tracker Premium | $4.99 | per month |
| Debt Tracker Premium | $29.99 | per year |


### Zero

[App page](https://appshunter.io/ios/app/zero-debt-payoff-planner/id6781073044)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Small Tip | $2.99 | one-time |
| Medium Tip | $4.99 | one-time |
| Large Tip | $9.99 | one-time |
| Zero Plus | $14.99 | one-time |


## Frequently asked questions

### Is Debt Payoff Planner free?

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

### Is Zero free?

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

### Do Debt Payoff Planner or Zero have ads?

Neither Debt Payoff Planner nor Zero shows ads.

### Which is updated more often, Debt Payoff Planner or Zero?

Debt Payoff Planner ships an update fortnightly, and Zero weekly. Most recently, Debt Payoff Planner was updated on September 22, 2026 and Zero on September 1, 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.*