# Payback vs Duality Wallet

The clearest difference is in-app purchases: Duality Wallet at none against Payback's 3. Duality Wallet also leads on iOS requirement (15.1 vs 17.2). On price, update cadence, 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. Duality Wallet asks for nothing beyond the download.

Payback ships an update weekly, Duality Wallet every 5 days. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Payback | Duality Wallet |
| --- | --- | --- |
| 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 | **Every 5 days** |
| Monetization | Freemium | — |
| Size | 4 MB | 51 MB |
| Requires iOS | 17.2 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Joshua Crellin](https://appshunter.io/developer/1859115556) | [Duality Wallet Pty Ltd](https://appshunter.io/developer/6790772485) |

## 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 |


### Duality Wallet

[App page](https://appshunter.io/ios/app/duality-wallet/id6790772483)

**In-app purchases:** none


## Frequently asked questions

### Is Payback free?

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

### Is Duality Wallet free?

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

### Do Payback or Duality Wallet have ads?

Neither Payback nor Duality Wallet shows ads.

### Which is updated more often, Payback or Duality Wallet?

Payback ships an update weekly, and Duality Wallet every 5 days. Most recently, Payback was updated on October 30, 2026 and Duality Wallet 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.*