# Debt Payoff Tracker vs Zero Debt

The clearest difference is update cadence: Zero Debt at every 3 days against Debt Payoff Tracker's every 3 months. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Debt Payoff Tracker sells 3 in-app purchases, starting at $4.99 per month and Zero Debt sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Debt Payoff Tracker ships an update every 3 months, Zero Debt every 3 days. The most recent releases landed on October 5, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | Debt Payoff Tracker | Zero Debt |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 days** |
| Size | 4 MB | 16 MB |
| Requires iOS | 18 | **17.0** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Karol Jaworski](https://appshunter.io/developer/1799974477) | [Sardor Akbarov](https://appshunter.io/developer/6780028842) |

## What reviewers say

### Debt Payoff Tracker

[App page](https://appshunter.io/ios/app/debt-payoff-tracker-zero/id6760733303)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro - First Year Offer | $39.99 | per year |
| Zero Pro Yearly | $39.99 | per year |


### 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 Debt Payoff Tracker free?

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

### Is Zero Debt free?

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

### Do Debt Payoff Tracker or Zero Debt have ads?

Neither Debt Payoff Tracker nor Zero Debt shows ads.

### Which is updated more often, Debt Payoff Tracker or Zero Debt?

Debt Payoff Tracker ships an update every 3 months, and Zero Debt every 3 days. Most recently, Debt Payoff Tracker was updated on October 5, 2026 and Zero Debt on October 11, 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.*