# PayOffly vs Debt Payoff Tracker

The clearest difference is iOS requirement: Debt Payoff Tracker at 18 against PayOffly's 27.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. PayOffly sells 4 in-app purchases, starting at $2.99 per month and Debt Payoff Tracker sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on October 25, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | PayOffly | Debt Payoff Tracker |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Size | 41 MB | 4 MB |
| Requires iOS | 27.0 | **18** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Pavel Sakhanko](https://appshunter.io/developer/1615349705) | [Karol Jaworski](https://appshunter.io/developer/1799974477) |

## What reviewers say

### PayOffly

[App page](https://appshunter.io/ios/app/payoffly-debt-payoff-planner/id6754790967)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium Access | $2.99 | per month |
| Monthly Premium Access | $4.99 | per month |
| Annual Premium Access | $17.99 | per year |
| Yearly Premium Access | $39.99 | per year |


### Debt Payoff Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-tracker-zero/id6760733303)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro - First Year Offer | $39.99 | per year |
| Zero Pro Yearly | $39.99 | per year |


## Frequently asked questions

### Is PayOffly free?

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

### Is Debt Payoff Tracker free?

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

### Do PayOffly or Debt Payoff Tracker have ads?

Neither PayOffly nor Debt Payoff Tracker shows ads.

### Which is updated more often, PayOffly or Debt Payoff Tracker?

PayOffly ships an update every 3 months, and Debt Payoff Tracker every 3 months. Most recently, PayOffly was updated on October 25, 2026 and Debt Payoff Tracker on October 31, 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.*