# Payoff Formula vs DebtUnlocked

The clearest difference is in-app purchases: Payoff Formula at none against DebtUnlocked's 3. Payoff Formula also leads on device support (3 vs 1) and iOS requirement (13.0 vs 16.4). On price and ads there is nothing between them.

Both are free to download. DebtUnlocked sells 3 in-app purchases, starting at $4.99 per month. Payoff Formula asks for nothing beyond the download.

## The numbers

| Metric | Payoff Formula | DebtUnlocked |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (2 ratings)](https://appshunter.io/ios/app/debtunlocked-payoff-planner/id6761954787/reviews)** |
| Number of ratings | — | **2** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | — | Every 2 days |
| Monetization | — | Freemium |
| Size | 17 MB | 70 MB |
| Requires iOS | **13.0** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [DevAppStudios LLC](https://appshunter.io/developer/1869130469) | [Ryan Lee](https://appshunter.io/developer/1892188741) |

## What reviewers say

### Payoff Formula

[App page](https://appshunter.io/ios/app/payoff-formula/id6761226411)

**In-app purchases:** none


### DebtUnlocked

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

Manage your debts with a personalized payoff plan. Track loans and credit cards, choose a payoff strategy, and visualize your debt-free date. See interest saved and get payment reminders.

**Highlights:** Personalized payoff plans, Track multiple debt types, Avalanche or Snowball method, Monthly budget setting, Amortization tables, Payment reminders, Progress visualization

**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 Payoff Formula free?

Payoff Formula is free to download, with no in-app purchases.

### Is DebtUnlocked free?

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

### Do Payoff Formula or DebtUnlocked have ads?

Neither Payoff Formula nor DebtUnlocked shows ads.

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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.*