# Divvy vs Debt Descent

The clearest difference is update cadence: Debt Descent at every 2 days against Divvy's every 3 weeks. Divvy's advantage is iOS requirement (17.0 vs 26.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Divvy sells 1 one-off in-app purchase and Debt Descent sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Divvy ships an update every 3 weeks, Debt Descent every 2 days. The most recent releases landed on October 28, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | Divvy | Debt Descent |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (9 ratings)](https://appshunter.io/ios/app/debt-descent-payoff-planner/id6785269702/reviews)** |
| Number of ratings | — | **9** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 days** |
| Monetization | — | Free with in-app purchases |
| Size | 2 MB | 29 MB |
| Requires iOS | **17.0** | 26.0 |
| Devices | iPhone, iPad | **iPhone, iPad, Mac** |
| Age rating | 4+ | 4+ |
| Developer | [BRETT SHERWYN WATERSON](https://appshunter.io/developer/1857867894) | [Sean Mandable](https://appshunter.io/developer/1885933485) |

## What reviewers say

### Divvy

[App page](https://appshunter.io/ios/app/divvy-pay-it-down/id6759308184)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Divvy Pro | $9.99 | one-time |


### Debt Descent

[App page](https://appshunter.io/ios/app/debt-descent-payoff-planner/id6785269702)

This app helps you visualize and track your debt payoff journey. It compares popular methods like Snowball and Avalanche, providing detailed projections for when you'll be debt-free and how much interest you'll save. It also offers features to model windfalls, refinancing, and track your actual progress against your plan.

**Highlights:** Compare Snowball and Avalanche payoff methods, Project debt-free date and total interest saved, Model windfalls and refinancing scenarios, Track actual payment progress against plan, Scan statements or import PDFs for debt entry, Monthly budget breakdown and what's left over, iCloud sync across iPhone, iPad, and Mac

**Features:** Family Sharing, iPhone Duo support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Debt Descent Pro | $14.99 | one-time |


## Frequently asked questions

### Is Divvy free?

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

### Is Debt Descent free?

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

### Do Divvy or Debt Descent have ads?

Neither Divvy nor Debt Descent shows ads.

### Which is updated more often, Divvy or Debt Descent?

Divvy ships an update every 3 weeks, and Debt Descent every 2 days. Most recently, Divvy was updated on October 28, 2026 and Debt Descent on October 29, 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.*