# Dívida Zero vs Zero Debt

The clearest difference is in-app purchases: Dívida Zero at none against Zero Debt's 3. Dívida Zero also leads on device support (3 vs 1) and iOS requirement (15.1 vs 17.0). Zero Debt's advantage is update cadence (every 2 days vs every 3 months). On price and ads there is nothing between them.

Both are free to download. Zero Debt sells 3 in-app purchases, starting at $4.99 per month. Dívida Zero asks for nothing beyond the download.

Dívida Zero ships an update every 3 months, Zero Debt every 2 days. The most recent releases landed on August 24, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | Dívida Zero | Zero Debt |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 days** |
| Size | 47 MB | 13 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Julio Cesar Lima de Jesus Lemos](https://appshunter.io/developer/1632737264) | [Sardor Akbarov](https://appshunter.io/developer/6780028842) |

## What reviewers say

### Dívida Zero

[App page](https://appshunter.io/ios/app/divida-zero/id6759846781)

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

**In-app purchases:** none


### Zero Debt

[App page](https://appshunter.io/ios/app/zero-debt-payoff-planner/id6797665696)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro | $39.99 | per year |
| Zero Pro Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is Dívida Zero free?

Dívida Zero is free to download, with no in-app purchases.

### Is Zero Debt free?

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

### Do Dívida Zero or Zero Debt have ads?

Neither Dívida Zero nor Zero Debt shows ads.

### Which is updated more often, Dívida Zero or Zero Debt?

Dívida Zero ships an update every 3 months, and Zero Debt every 2 days. Most recently, Dívida Zero was updated on August 24, 2026 and Zero Debt on September 25, 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.*