# Payback vs Vadexa

The clearest difference is in-app purchases: Vadexa at none against Payback's 3. Payback's advantage is ads (none vs shown) and update cadence (weekly vs every 2 months). On price, device support and iOS requirement there is nothing between them.

Both are free to download. Payback sells 3 in-app purchases, starting at $3.99 per month. Vadexa asks for nothing beyond the download.

Payback ships an update weekly, Vadexa every 2 months. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Payback | Vadexa |
| --- | --- | --- |
| 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 | **No** |
| Ads | **No** | Yes |
| Update frequency | **Weekly** | Every 2 months |
| Monetization | Freemium | — |
| Size | 4 MB | 6 MB |
| Requires iOS | **17.2** | 17.6 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Joshua Crellin](https://appshunter.io/developer/1859115556) | [Ahmet Selcuk Tepe](https://appshunter.io/developer/1896191641) |

## 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 |


### Vadexa

[App page](https://appshunter.io/ios/app/vadexa/id6766093351)

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

**In-app purchases:** none


## Frequently asked questions

### Is Payback free?

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

### Is Vadexa free?

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

### Do Payback or Vadexa have ads?

Vadexa shows ads; Payback does not.

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

Payback ships an update weekly, and Vadexa every 2 months. Most recently, Payback was updated on October 30, 2026 and Vadexa 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.*