# Debt Payoff vs Payback Day

The clearest difference is in-app purchases: Payback Day at none against Debt Payoff's 2. Payback Day also leads on update cadence (every 2 days vs monthly) and iOS requirement (15.1 vs 18.5). On price, ads and device support there is nothing between them.

Both are free to download. Debt Payoff sells 2 in-app purchases, starting at $3.99 per 7 days. Payback Day asks for nothing beyond the download.

Debt Payoff ships an update monthly, Payback Day every 2 days. The most recent releases landed on October 17, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | Debt Payoff | Payback Day |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 days** |
| Size | 15 MB | 36 MB |
| Requires iOS | 18.5 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Yalcin Golayoglu](https://appshunter.io/developer/1607333007) | [IBCMobile](https://appshunter.io/developer/625175533) |

## What reviewers say

### Debt Payoff

[App page](https://appshunter.io/ios/app/debt-payoff-debity/id6755724921)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Debt Tracker Weekly | $3.99 | per 7 days |
| Debt Tracker Annual | $19.99 | per year |


### Payback Day

[App page](https://appshunter.io/ios/app/payback-day-split-and-settle/id6792700265)

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

**In-app purchases:** none


## Frequently asked questions

### Is Debt Payoff free?

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

### Is Payback Day free?

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

### Do Debt Payoff or Payback Day have ads?

Neither Debt Payoff nor Payback Day shows ads.

### Which is updated more often, Debt Payoff or Payback Day?

Debt Payoff ships an update monthly, and Payback Day every 2 days. Most recently, Debt Payoff was updated on October 17, 2026 and Payback Day on September 30, 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.*