# Debtless vs Payoff Dots

The clearest difference is update cadence: Payoff Dots at every 2 weeks against Debtless's every 7 months. 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 Payoff Dots sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Debtless ships an update every 7 months, Payoff Dots every 2 weeks. The most recent releases landed on October 9, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | Debtless | Payoff Dots |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payoff-dots-debt-tracker/id6799600750/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 2 weeks** |
| Monetization | — | Freemium |
| Size | 5 MB | 4 MB |
| Requires iOS | 18.2 | **18.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Logan Moore](https://appshunter.io/developer/382096113) | [Waypoint Labs LLC UT](https://appshunter.io/developer/6799600752) |

## 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 |


### Payoff Dots

[App page](https://appshunter.io/ios/app/payoff-dots-debt-tracker/id6799600750)

Visualize and track your debt repayment progress with a unique dot-filling system. Monitor multiple debts, record payments, and see your balances decrease over time. Archive debts and use discreet widgets for a clear overview.

**Highlights:** Visual payoff dots for each debt, Progress tracking for individual and overall debts, Quick balance updates, Archive completed or paused debts, Discreet widgets without dollar amounts, Private iCloud sync, Light and dark appearance modes

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Dots Pro | $9.99 | one-time |


## Frequently asked questions

### Is Debtless free?

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

### Is Payoff Dots free?

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

### Do Debtless or Payoff Dots have ads?

Neither Debtless nor Payoff Dots shows ads.

### Which is updated more often, Debtless or Payoff Dots?

Debtless ships an update every 7 months, and Payoff Dots every 2 weeks. Most recently, Debtless was updated on October 9, 2026 and Payoff Dots on October 11, 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.*