DebtDrop vs Payfin
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
DebtDrop
This app provides a personalized, step-by-step plan to eliminate your debts efficiently. It offers two proven payoff methods and visualizes your progress, helping you save money and understand the true cost of your debt.
- Personalized payoff plan
- Avalanche and Snowball methods
- Monthly payment guidance
- Interest vs. principal breakdown
- Paycheck planner
- Cloud sync
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DebtDrop gives you a clear, step-by-step plan to pay off every debt you owe — and shows you exactly how much money you'll save along the way. JUST ADD YOUR LOANS. WE DO THE REST. Enter your balances, interest rates, and minimum payments. DebtDrop instantly builds a personalized payoff plan and tells you exactly what to pay, to whom, and when. YOUR MONTHLY PLAYBOOK Every month, DebtDrop tells you which loan to focus on and how much to pay. No spreadsheets. No guessing. Just a clear action item. TWO PROVEN METHODS - Avalanche — attack the highest interest rate first. Saves the most money. - Snowball — attack the smallest balance first. Builds momentum faster. Switch methods anytime and see the impact instantly. SEE THE REAL COST OF YOUR DEBT DebtDrop shows you exactly how much of your minimum payment goes to interest vs. actually reducing your balance. It's eye-opening — and motivating. PREMIUM FEATURES - Paycheck planner — see exactly how much of each paycheck to set aside - Full charts — watch your debt trend to zero over time - Cascade effect — see how each paid-off loan accelerates the next - PDF export — save and share your complete payoff schedule - Cloud sync — access your plan on any device BUILT FOR REAL PEOPLE No ads. No gimmicks. No shame. DebtDrop is a tool that respects you and your financial situation. Download free. Start your plan today. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Payfin
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Payfin turns a pile of debts into one clear picture: a single remaining balance, a projected debt-free date, and a plan to follow. Add what you owe, log each payment, and watch your total move as the payoff ring fills. Choose the method that fits you — avalanche (highest APR first) or snowball (smallest balance first) — and see how your projected debt-free date and interest change. FREE • Track one debt with the signature payoff ring and balance • Log payments and follow your progress • Pure-black dark and clean light themes PRO • Track unlimited debts • Avalanche & snowball planners with month-by-month projections • Projected debt-free date and monthly interest breakdown • Payment reminders and milestone moments • Home-screen widgets for your balance, next payment, and trajectory • Exclusive themes, accent colors, and app icons • Run "what-if" scenarios with extra payments and rate changes Payfin is a personal record-keeping and planning tool. Projections are estimates based on the numbers you enter — not financial advice. SUBSCRIPTION Payfin Pro is $4.99/week with a 3-day free trial, or $29.99/year. Payment is charged to your Apple ID at confirmation. Subscriptions auto-renew unless canceled at least 24 hours before the end of the period; manage or cancel anytime in App Store settings. Privacy Policy: https://hs0929.github.io/payfin/privacy/ Terms of Use: https://hs0929.github.io/payfin/terms/
Screenshots
Verdict
The clearest difference is update cadence: DebtDrop at every 4 days against Payfin's every 3 weeks. DebtDrop also leads on device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. DebtDrop sells 2 in-app purchases, starting at $4.99 per month 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.
DebtDrop ships an update every 4 days, Payfin every 3 weeks. The most recent releases landed on October 20, 2026 and October 9, 2026 respectively.
| Parameter | DebtDrop | Payfin |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 3 — better | — |
| Update frequency | Every 4 days — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 16.4 |
| Further details — not scored | ||
| Size | 43 MB | 71 MB |
| Age rating | 4+ | 4+ |
| Developer | Jacob Grossman | Eunbi Go |
In-app purchases
DebtDrop
- ClearDebt Premium$4.991 Month
- ClearDebt Premium (Annual)$34.991 Year
Payfin
- Payfin Weekly Premium Subscription3 Days trial$4.997 Days
- Payfin Yearly Premium Subscription$29.991 Year








