# Debtless vs Budget Utopia

The clearest difference is update cadence: Budget Utopia at every 3 weeks against Debtless's every 7 months. Budget Utopia also leads on iOS requirement (15.1 vs 18.2). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Debtless sells 3 one-off in-app purchases and Budget Utopia sells 3 in-app purchases, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

Debtless ships an update every 7 months, Budget Utopia every 3 weeks. The most recent releases landed on September 22, 2026 and September 14, 2026 respectively.

## The numbers

| Metric | Debtless | Budget Utopia |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/budget-utopia/id6761587080/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 7 months | **Every 3 weeks** |
| Monetization | — | Freemium |
| Size | 5 MB | 49 MB |
| Requires iOS | 18.2 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Logan Moore](https://appshunter.io/developer/382096113) | [Budget Utopia LLC](https://appshunter.io/developer/1890360071) |

## What reviewers say

### Debtless

[App page](https://appshunter.io/ios/app/debtless/id6748594182)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Thanks for the Support! | $0.99 | one-time |
| You're Awesome! | $2.99 | one-time |
| You’re fueling development! | $4.99 | one-time |


### Budget Utopia

[App page](https://appshunter.io/ios/app/budget-utopia/id6761587080)

This app offers a simple, visual way to manage your finances without complex spreadsheets or bank account linking. It helps you create budgets, track spending, set savings goals, and monitor your net worth. Gamified challenges and achievement badges make saving engaging and rewarding.

**Highlights:** Build smart monthly budgets, Track every transaction, Set and monitor savings goals, Join savings challenges, Track full net worth, Manage recurring subscriptions, Earn achievement badges

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly Subscription | $6.99 | per month |
| Premium Annual Subscription | $59.99 | per year |
| Lifetime Access | $149.99 | one-time |


## Frequently asked questions

### Is Debtless free?

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

### Is Budget Utopia free?

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

### Do Debtless or Budget Utopia have ads?

Neither Debtless nor Budget Utopia shows ads.

### Which is updated more often, Debtless or Budget Utopia?

Debtless ships an update every 7 months, and Budget Utopia every 3 weeks. Most recently, Debtless was updated on September 22, 2026 and Budget Utopia on September 14, 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.*