# Paycheck by Paycheck vs Paycheck Debt Planner

The clearest difference is update cadence: Paycheck Debt Planner at every 3 days against Paycheck by Paycheck's fortnightly. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Paycheck by Paycheck sells 2 in-app purchases, starting at $5.99 per month and Paycheck Debt Planner sells 1 in-app purchase, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Paycheck by Paycheck ships an update fortnightly, Paycheck Debt Planner every 3 days. The most recent releases landed on October 18, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | Paycheck by Paycheck | Paycheck Debt Planner |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/paycheck-debt-planner/id6773201250/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 3 days** |
| Monetization | — | Freemium |
| Size | 65 MB | 11 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [DAVID ANDREW LIVINGSTON](https://appshunter.io/developer/1881452633) | [Jason Snyder](https://appshunter.io/developer/6773201372) |

## What reviewers say

### Paycheck by Paycheck

[App page](https://appshunter.io/ios/app/paycheck-by-paycheck/id6759883787)

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $5.99 | per month |
| Annual Subscription | $49.99 | per year |


### Paycheck Debt Planner

[App page](https://appshunter.io/ios/app/paycheck-debt-planner/id6773201250)

This app helps you manage your finances by tracking bills and debts. It calculates required payments, identifies extra cash, and guides you on where to allocate it for debt payoff and savings goals. Features include real-time plan updates and secure local data storage.

**Highlights:** Guided setup for first-time users, Bill and debt payment tracking, Debt payoff strategy selection (snowball/avalanche), Savings and emergency fund goal tracking, Real-time plan updates with swipe-to-pay, Local data storage for privacy, App lock with biometric authentication

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Paycheck Debt Planner Premium | $4.99 | per month |


## Frequently asked questions

### Is Paycheck by Paycheck free?

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

### Is Paycheck Debt Planner free?

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

### Do Paycheck by Paycheck or Paycheck Debt Planner have ads?

Neither Paycheck by Paycheck nor Paycheck Debt Planner shows ads.

### Which is updated more often, Paycheck by Paycheck or Paycheck Debt Planner?

Paycheck by Paycheck ships an update fortnightly, and Paycheck Debt Planner every 3 days. Most recently, Paycheck by Paycheck was updated on October 18, 2026 and Paycheck Debt Planner 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.*