# Debt Eraser vs DebtUnlocked

The clearest difference is update cadence: DebtUnlocked at every 2 days against Debt Eraser's weekly. On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. Debt Eraser sells 4 in-app purchases, starting at $19.99 per month and DebtUnlocked sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Debt Eraser against 5.0 for DebtUnlocked. Both are backed by a comparable volume of ratings — 5 and 2 respectively.

Debt Eraser ships an update weekly, DebtUnlocked every 2 days. The most recent releases landed on October 31, 2026 and November 9, 2026 respectively.

## The numbers

| Metric | Debt Eraser | DebtUnlocked |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (5 ratings)](https://appshunter.io/ios/app/debt-eraser/id6761077274/reviews) | [5.0 (2 ratings)](https://appshunter.io/ios/app/debtunlocked-payoff-planner/id6761954787/reviews) |
| Number of ratings | **5** | 2 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Weekly | **Every 2 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 55 MB | 75 MB |
| Requires iOS | **15.1** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 17+ | 4+ |
| Developer | [Christopher Kuczynski](https://appshunter.io/developer/1887660642) | [Ryan Lee](https://appshunter.io/developer/1892188741) |

## What reviewers say

### Debt Eraser

[App page](https://appshunter.io/ios/app/debt-eraser/id6761077274)

This personal finance tool helps you understand, manage, and address your outstanding debts. Input and track multiple debts, access educational resources, and generate pre-filled letters to communicate with creditors. Optional mailing functionality is available.

**Highlights:** Track multiple debts, Generate debt validation letters, Generate settlement offer letters, Generate hardship letters, Educational resources on debt laws, Optional letter mailing service, Progress tracking

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Debt Eraser Plus Monthly | $19.99 | per month |
| Debt Eraser Freedom Monthly | $39.99 | per month |
| Debt Eraser Plus Yearly | $149.99 | per year |
| Debt Eraser Freedom Yearly | $299.99 | per year |


### DebtUnlocked

[App page](https://appshunter.io/ios/app/debtunlocked-payoff-planner/id6761954787)

Manage and track your debts with a personalized payoff plan. This app helps you visualize your debt-free date, calculate interest savings, and provides a detailed payment schedule. It supports various debt types and offers two popular payoff strategies.

**Highlights:** Personalized payoff plan generation, Track credit cards, loans, and bills, Avalanche and Snowball payoff methods, Monthly budget setting, Amortization tables, Payment reminders, Exportable payoff plan

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtUnlocked Pro Monthly | $4.99 | per month |
| Pro Annual | $19.99 | per year |
| DebtUnlocked Pro (Annual) | $29.99 | per year |


## Frequently asked questions

### Is Debt Eraser free?

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

### Is DebtUnlocked free?

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

### Which has better reviews, Debt Eraser or DebtUnlocked?

Debt Eraser and DebtUnlocked are both rated 5.0 out of 5 on the App Store, from 5 and 2 ratings respectively.

### Do Debt Eraser or DebtUnlocked have ads?

Neither Debt Eraser nor DebtUnlocked shows ads.

### Which is updated more often, Debt Eraser or DebtUnlocked?

Debt Eraser ships an update weekly, and DebtUnlocked every 2 days. Most recently, Debt Eraser was updated on October 31, 2026 and DebtUnlocked on November 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.*