# DebtWise vs Payoff

The clearest difference is update cadence: DebtWise at every 6 weeks against Payoff's every 5 months. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. DebtWise sells 4 in-app purchases, starting at $2.49 per 7 days and Payoff sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

DebtWise ships an update every 6 weeks, Payoff every 5 months. The most recent releases landed on October 16, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | DebtWise | Payoff |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/debtwise-debt-payoff-planner/id6759857721/reviews)** | — |
| Number of ratings | **2** | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 5 months |
| Monetization | Freemium | — |
| Size | 37 MB | 5 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Amanuel Getachew Shiferaw](https://appshunter.io/developer/1881284519) | [Sandeep Mysore](https://appshunter.io/developer/1892943448) |

## What reviewers say

### DebtWise

[App page](https://appshunter.io/ios/app/debtwise-debt-payoff-planner/id6759857721)

This app helps you create a personalized debt payoff plan and stick to it. It offers custom ordering of debts, automatic payment reminders, and progress tracking. It also includes classic payoff strategies and works offline in multiple languages.

**Highlights:** Custom debt payoff order, Automatic payment reminders, Progress tracking and milestones, Avalanche and Snowball strategies, Cascade effect for accelerated payoff, Offline functionality, Data export

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtWise Pro | $2.49 | per 7 days |
| DebtWise Pro | $5.99 | per month |
| DebtWise Pro | $9.99 | per year |
| DebtWise Pro | $19.99 | one-time |


### 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 DebtWise free?

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

### Is Payoff free?

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

### Do DebtWise or Payoff have ads?

Neither DebtWise nor Payoff shows ads.

### Which is updated more often, DebtWise or Payoff?

DebtWise ships an update every 6 weeks, and Payoff every 5 months. Most recently, DebtWise was updated on October 16, 2026 and Payoff on October 28, 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.*