# DebtErasr vs PayShift

The clearest difference is in-app purchases: DebtErasr at none against PayShift's 1. PayShift's advantage is ads (none vs shown) and update cadence (daily vs every 3 days). On price, device support and iOS requirement there is nothing between them.

Both are free to download. PayShift sells 1 one-off in-app purchase. DebtErasr asks for nothing beyond the download.

DebtErasr ships an update every 3 days, PayShift daily. The most recent releases landed on October 21, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | DebtErasr | PayShift |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (3 ratings)](https://appshunter.io/ios/app/debterasr/id6745903753/reviews)** | — |
| Number of ratings | **3** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 3 days | **Daily** |
| Monetization | Ad-supported | — |
| Size | 22 MB | 4 MB |
| Requires iOS | 18.0 | **17.0** |
| Devices | iPhone, iPad | **iPhone, iPad, Apple Watch** |
| Age rating | 17+ | 4+ |
| Developer | [John Franks](https://appshunter.io/developer/1814420262) | [Jasper Ebus](https://appshunter.io/developer/6807913043) |

## What reviewers say

### DebtErasr

[App page](https://appshunter.io/ios/app/debterasr/id6745903753)

This app helps you organize and pay off debt faster using AI. It can import your financial data from statements or screenshots to create personalized payoff strategies and track your progress visually.

**Highlights:** AI Debt Advisor, Smart Import from statements/screenshots, Custom payoff plans (snowball, avalanche, AI-optimized), Progress tracking with visuals, Secure and private data handling

**Features:** macOS Compatibility

**In-app purchases:** none


### PayShift

[App page](https://appshunter.io/ios/app/payshift/id6807913041)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PayShift Pro | $3.99 | one-time |


## Frequently asked questions

### Is DebtErasr free?

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

### Is PayShift free?

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

### Do DebtErasr or PayShift have ads?

DebtErasr shows ads; PayShift does not.

### Which is updated more often, DebtErasr or PayShift?

DebtErasr ships an update every 3 days, and PayShift daily. Most recently, DebtErasr was updated on October 21, 2026 and PayShift on October 7, 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.*