# PayOffly vs Franklin

The clearest difference is in-app purchases: Franklin at none against PayOffly's 4. Franklin also leads on iOS requirement (16.4 vs 27.0). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. PayOffly sells 4 in-app purchases, starting at $2.99 per month. Franklin asks for nothing beyond the download.

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on November 9, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | PayOffly | Franklin |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/franklin-expense-tracker/id6762568694/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | — | Free |
| Size | 41 MB | 55 MB |
| Requires iOS | 27.0 | **16.4** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Pavel Sakhanko](https://appshunter.io/developer/1615349705) | [Marat Kairbekov](https://appshunter.io/developer/1841134506) |

## 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 |


### Franklin

[App page](https://appshunter.io/ios/app/franklin-expense-tracker/id6762568694)

This personal finance tracker operates entirely on your device, offering robust income and expense tracking without requiring sign-up or cloud storage. Manage multiple accounts, currencies, and custom categories with detailed analytics and filtering options. Your financial data remains private and exportable.

**Highlights:** On-device data storage, Income and expense tracking, Multiple account management, Multi-currency support, Customizable categories, Detailed analytics and filters, Data export and restore

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

**In-app purchases:** none


## Frequently asked questions

### Is PayOffly free?

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

### Is Franklin free?

Franklin is free to download, with no in-app purchases.

### Do PayOffly or Franklin have ads?

Neither PayOffly nor Franklin shows ads.

### Which is updated more often, PayOffly or Franklin?

PayOffly ships an update every 3 months, and Franklin every 3 months. Most recently, PayOffly was updated on November 9, 2026 and Franklin 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.*