# PayStreak vs Zero Debt

PayStreak and Zero Debt are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. PayStreak sells 1 in-app purchase, starting at $8.99 per year and Zero Debt sells 4 in-app purchases, starting at $3.49 per month. Whichever you choose, the download price is not the number that matters.

## The numbers

| Metric | PayStreak | Zero Debt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/paystreak-bill-tracker/id6751249424/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | — | Every 3 days |
| Monetization | Freemium | — |
| Size | 4 MB | 17 MB |
| Requires iOS | 17 | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Aaron Dunn](https://appshunter.io/developer/1819274515) | [Sardor Akbarov](https://appshunter.io/developer/6780028842) |

## What reviewers say

### PayStreak

[App page](https://appshunter.io/ios/app/paystreak-bill-tracker/id6751249424)

Consolidate all your payment obligations, including Buy Now Pay Later plans, loans, subscriptions, and IOUs, into a single, private application. It offers a unified overview of upcoming due dates and payment schedules.

**Highlights:** Unified payment tracking, Private by design, local data storage, Smart dashboard for due dates, Flexible plan types (installments, loans, bills, subscriptions), Calendar view for payment scheduling, iCloud sync for backup and cross-device syncing, Pro version offers reminders

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PayStreak Pro | $8.99 | per year |


### Zero Debt

[App page](https://appshunter.io/ios/app/zero-debt-payoff-planner/id6797665696)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $3.49 | per month |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro | $39.99 | per year |
| Zero Pro Lifetime | $99.99 | one-time |


## Frequently asked questions

### Is PayStreak free?

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

### Is Zero Debt free?

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

### Do PayStreak or Zero Debt have ads?

Neither PayStreak nor Zero Debt shows ads.

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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.*