# PayOffly vs Debt Payoff Tracker

The clearest difference is update cadence: PayOffly at every 2 months against Debt Payoff Tracker's every 3 months. Debt Payoff Tracker's advantage is iOS requirement (18 vs 26.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. PayOffly sells 2 in-app purchases, starting at $4.99 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.

PayOffly ships an update every 2 months, Debt Payoff Tracker every 3 months. Both last shipped on September 8, 2026.

## The numbers

| Metric | PayOffly | Debt Payoff Tracker |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Size | 38 MB | 4 MB |
| Requires iOS | 26.0 | **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/id6754790967)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Premium Access | $4.99 | per month |
| 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 2 months, and Debt Payoff Tracker every 3 months. Most recently, PayOffly was updated on September 8, 2026 and Debt Payoff Tracker on September 8, 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.*