# Clear Balance vs Zero Debt

The clearest difference is update cadence: Zero Debt at every 3 days against Clear Balance's monthly. Clear Balance's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 17.0). On price, ads and in-app purchases there is nothing between them.

Both are free to download. Clear Balance sells 2 in-app purchases, starting at $3.99 per month and Zero Debt sells 4 in-app purchases, starting at $3.49 per month. Whichever you choose, the download price is not the number that matters.

Clear Balance ships an update monthly, Zero Debt every 3 days. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Clear Balance | Zero Debt |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 days** |
| Monetization | Freemium | — |
| Size | 52 MB | 16 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 12+ | 4+ |
| Developer | [ClearBalance Technologies Limited](https://appshunter.io/developer/1888495772) | [Sardor Akbarov](https://appshunter.io/developer/6780028842) |

## What reviewers say

### Clear Balance

[App page](https://appshunter.io/ios/app/clear-balance-debt-tracker/id6761265023)

Organize your debts, track your repayment progress, and gain clarity on your financial journey. This app provides a calm and supportive environment to manage balances, record payments, and explore guidance towards becoming debt-free.

**Highlights:** Organize and add debts, Record payments and update balances, Track progress over time, In-app guidance and articles, Projected debt-free date, Explore debt clearing strategies

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Clear Balance Premium Monthly | $3.99 | per month |
| Clear Balance Premium Annual | $34.99 | 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 (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $3.49 | per month |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro | $39.99 | per year |
| Zero Pro Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is Clear Balance free?

Clear Balance 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 Clear Balance or Zero Debt have ads?

Neither Clear Balance nor Zero Debt shows ads.

### Which is updated more often, Clear Balance or Zero Debt?

Clear Balance ships an update monthly, and Zero Debt every 3 days. Most recently, Clear Balance was updated on October 25, 2026 and Zero Debt on October 24, 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.*