# Debt Payoff vs Spent.

The clearest difference is update cadence: Spent. at every 8 days against Debt Payoff's every 6 months. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Debt Payoff sells 2 in-app purchases, starting at $2.99 per 7 days and Spent. sells 2 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

Debt Payoff ships an update every 6 months, Spent. every 8 days. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Debt Payoff | Spent. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.0 (2 ratings)](https://appshunter.io/ios/app/spent-spending-tracker/id6762553615/reviews)** |
| Number of ratings | — | **2** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 8 days** |
| Monetization | — | Free with in-app purchases |
| Size | 27 MB | 40 MB |
| Requires iOS | **18.0** | 18.6 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Gareth Harte](https://appshunter.io/developer/981240378) | [Chee Leong CHONG](https://appshunter.io/developer/1894661281) |

## What reviewers say

### Debt Payoff

[App page](https://appshunter.io/ios/app/debt-payoff-yeti/id6759060605)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Pro | $2.99 | per 7 days |
| Yearly Pro | $19.99 | per year |


### Spent.

[App page](https://appshunter.io/ios/app/spent-spending-tracker/id6762553615)

This private expense tracker logs payments from bank alerts and Apple Pay. It uses on-device AI to read screenshots and receipts, offering insights and budget tracking without cloud storage or accounts.

**Highlights:** Private expense tracking, Bank alert and Apple Pay integration, On-device AI for receipt scanning, AI-powered data entry suggestions, Budget creation and tracking, Multi-currency support, Insights by category and merchant

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 7-day Trial | Free | one-time |
| AI Unlock | $4.99 | one-time |


## Frequently asked questions

### Is Debt Payoff free?

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

### Is Spent. free?

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

### Do Debt Payoff or Spent. have ads?

Neither Debt Payoff nor Spent. shows ads.

### Which is updated more often, Debt Payoff or Spent.?

Debt Payoff ships an update every 6 months, and Spent. every 8 days. Most recently, Debt Payoff was updated on November 2, 2026 and Spent. on November 5, 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.*