# Payback vs FlashBill

The clearest difference is update cadence: FlashBill at every 3 days against Payback's weekly. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Payback sells 3 in-app purchases, starting at $3.99 per month and FlashBill sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

Payback ships an update weekly, FlashBill every 3 days. Both last shipped on October 25, 2026.

## The numbers

| Metric | Payback | FlashBill |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/payback-debt-and-iou-tracker/id6756201066/reviews)** | — |
| Number of ratings | **3** | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Weekly | **Every 3 days** |
| Monetization | Freemium | — |
| Size | 4 MB | 89 MB |
| Requires iOS | **17.2** | 18.0 |
| Devices | iPhone, iPad | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Joshua Crellin](https://appshunter.io/developer/1859115556) | [Jesus Alberto Duerto Prado](https://appshunter.io/developer/1892580376) |

## What reviewers say

### Payback

[App page](https://appshunter.io/ios/app/payback-debt-and-iou-tracker/id6756201066)

Easily track money lent or borrowed without complex spreadsheets. Log repayments, see balances at a glance, and organize all your IOUs. Offers a free tier for basic tracking and a premium subscription for advanced features like unlimited debts and detailed reports.

**Highlights:** Track money owed and lent, Log repayments and update balances, Organize with notes and search, Home and Lock Screen widgets, Unlimited debts with subscription, Payment requests and reminders

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Plus Monthly | $3.99 | per month |
| Plus Yearly | $29.99 | per year |
| Plus Lifetime | $99.99 | one-time |


### FlashBill

[App page](https://appshunter.io/ios/app/flashbill-expense-tracker/id6762032588)

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Individual Monthly | $1.99 | per month |
| Individual Annual | $19.99 | per year |


## Frequently asked questions

### Is Payback free?

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

### Is FlashBill free?

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

### Do Payback or FlashBill have ads?

Neither Payback nor FlashBill shows ads.

### Which is updated more often, Payback or FlashBill?

Payback ships an update weekly, and FlashBill every 3 days. Most recently, Payback was updated on October 25, 2026 and FlashBill on October 25, 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.*