# DebtWise vs Payfin

DebtWise and Payfin are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. DebtWise sells 4 in-app purchases, starting at $2.49 per 7 days and Payfin sells 2 in-app purchases, starting at $4.99 per 7 days. Whichever you choose, the download price is not the number that matters.

DebtWise ships an update every 6 weeks, Payfin every 3 weeks. The most recent releases landed on October 16, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | DebtWise | Payfin |
| --- | --- | --- |
| 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 3 weeks** |
| Monetization | Freemium | — |
| Size | 37 MB | 71 MB |
| Requires iOS | **16.0** | 16.4 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Amanuel Getachew Shiferaw](https://appshunter.io/developer/1881284519) | [Eunbi Go](https://appshunter.io/developer/6780333616) |

## 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 |


### Payfin

[App page](https://appshunter.io/ios/app/payfin-debt-payoff-planner/id6784321939)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payfin Weekly Premium Subscription | $4.99 | per 7 days |
| Payfin Yearly Premium Subscription | $29.99 | per year |


## Frequently asked questions

### Is DebtWise free?

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

### Is Payfin free?

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

### Do DebtWise or Payfin have ads?

Neither DebtWise nor Payfin shows ads.

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

DebtWise ships an update every 6 weeks, and Payfin every 3 weeks. Most recently, DebtWise was updated on October 16, 2026 and Payfin on October 9, 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.*