# Payback vs Debt Tracker

The clearest difference is in-app purchases: Debt Tracker at none against Payback's 3. Debt Tracker also leads on iOS requirement (15.0 vs 17.2). On price, ads 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. Debt Tracker asks for nothing beyond the download.

## The numbers

| Metric | Payback | Debt Tracker |
| --- | --- | --- |
| 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 | No |
| Update frequency | Weekly | — |
| Monetization | Freemium | — |
| Size | 4 MB | 36 MB |
| Requires iOS | 17.2 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Joshua Crellin](https://appshunter.io/developer/1859115556) | [AHMED ALMANSOOP](https://appshunter.io/developer/1735681911) |

## 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 |


### Debt Tracker

[App page](https://appshunter.io/ios/app/debt-tracker-made-easy/id6790415931)

**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 Debt Tracker free?

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

### Do Payback or Debt Tracker have ads?

Neither Payback nor Debt Tracker shows ads.

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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.*