# Debt Pets vs Payoff

The clearest difference is in-app purchases: Debt Pets at none against Payoff's 1. Debt Pets also leads on update cadence (every 11 days vs every 5 months). Payoff's advantage is iOS requirement (15.0 vs 26.0). On price, ads and device support there is nothing between them.

Both are free to download. Payoff sells 1 one-off in-app purchase. Debt Pets asks for nothing beyond the download.

Debt Pets ships an update every 11 days, Payoff every 5 months. The most recent releases landed on October 24, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | Debt Pets | Payoff |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/debt-pets/id6757368802/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 11 days** | Every 5 months |
| Size | 21 MB | 5 MB |
| Requires iOS | 26.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Jonathan Murphy](https://appshunter.io/developer/1866409770) | [Sandeep Mysore](https://appshunter.io/developer/1892943448) |

## What reviewers say

### Debt Pets

[App page](https://appshunter.io/ios/app/debt-pets/id6757368802)

**Features:** macOS Compatibility

**In-app purchases:** none


### Payoff

[App page](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Premium | $2.99 | one-time |


## Frequently asked questions

### Is Debt Pets free?

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

### Is Payoff free?

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

### Do Debt Pets or Payoff have ads?

Neither Debt Pets nor Payoff shows ads.

### Which is updated more often, Debt Pets or Payoff?

Debt Pets ships an update every 11 days, and Payoff every 5 months. Most recently, Debt Pets was updated on October 24, 2026 and Payoff on October 26, 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.*