# Debt Payoff Planner vs Let's Settle Up

The clearest difference is update cadence: Let's Settle Up at weekly against Debt Payoff Planner's fortnightly. Let's Settle Up also leads on iOS requirement (16.0 vs 26.0). On price, ads, in-app purchases and device support 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 Let's Settle Up sells 3 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

Debt Payoff Planner ships an update fortnightly, Let's Settle Up weekly. The most recent releases landed on October 7, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Debt Payoff Planner | Let's Settle Up |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | Freemium | — |
| Size | 30 MB | 81 MB |
| Requires iOS | 26.0 | **16.0** |
| Devices | iPhone | iPhone |
| Age rating | +4 | 4+ |
| Developer | [Linas Nutautas](https://appshunter.io/developer/1738774097) | [Michał Salwin](https://appshunter.io/developer/6781202517) |

## 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 |


### Let's Settle Up

[App page](https://appshunter.io/ios/app/lets-settle-up-split-bills/id6781202515)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| A small coffee | $0.99 | one-time |
| A hot pizza | $3.99 | one-time |
| A royal dinner | $8.99 | one-time |


## Frequently asked questions

### Is Debt Payoff Planner free?

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

### Is Let's Settle Up free?

Let's Settle Up is free to download, with in-app purchases available.

### Do Debt Payoff Planner or Let's Settle Up have ads?

Neither Debt Payoff Planner nor Let's Settle Up shows ads.

### Which is updated more often, Debt Payoff Planner or Let's Settle Up?

Debt Payoff Planner ships an update fortnightly, and Let's Settle Up weekly. Most recently, Debt Payoff Planner was updated on October 7, 2026 and Let's Settle Up on October 10, 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.*