# PayoffPilot vs DebtClear

The clearest difference is update cadence: PayoffPilot at every 2 weeks against DebtClear's every 2 months. DebtClear's advantage is iOS requirement (15.1 vs 17.6). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. PayoffPilot sells 1 one-off in-app purchase and DebtClear sells 2 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

PayoffPilot ships an update every 2 weeks, DebtClear every 2 months. The most recent releases landed on October 6, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | PayoffPilot | DebtClear |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payoffpilot/id6753783449/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | — |
| Size | 3 MB | 49 MB |
| Requires iOS | 17.6 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Raul Pena](https://appshunter.io/developer/1845019152) | [Bayron Varela](https://appshunter.io/developer/1878012602) |

## What reviewers say

### PayoffPilot

[App page](https://appshunter.io/ios/app/payoffpilot/id6753783449)

This app helps you create a clear plan to become debt-free. It compares the Snowball and Avalanche payoff methods using your actual financial data, tracks your progress, and offers reminders. An optional one-time purchase unlocks advanced simulation and reporting features.

**Highlights:** Debt payoff strategy comparison (Snowball vs. Avalanche), Debt-free date projection, Interest savings and time saved calculation, Payment logging and balance tracking, Milestone celebrations, Payment reminders, Scenario simulator (Pro feature)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PayoffPilot Pro | $6.99 | one-time |


### DebtClear

[App page](https://appshunter.io/ios/app/debtclear/id6759307540)

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $9.99 | per month |
| yearly premium | $59.99 | per year |


## Frequently asked questions

### Is PayoffPilot free?

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

### Is DebtClear free?

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

### Do PayoffPilot or DebtClear have ads?

Neither PayoffPilot nor DebtClear shows ads.

### Which is updated more often, PayoffPilot or DebtClear?

PayoffPilot ships an update every 2 weeks, and DebtClear every 2 months. Most recently, PayoffPilot was updated on October 6, 2026 and DebtClear on October 24, 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.*