# Vyay vs Payoff

The clearest difference is update cadence: Vyay at fortnightly against Payoff's every 5 months. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Vyay sells 2 in-app purchases, starting at $0.99 per month and Payoff sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Vyay ships an update fortnightly, Payoff every 5 months. The most recent releases landed on October 14, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | Vyay | Payoff |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 5 months |
| Size | 34 MB | 5 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Anil Sardiwal](https://appshunter.io/developer/1888542536) | [Sandeep Mysore](https://appshunter.io/developer/1892943448) |

## What reviewers say

### Vyay

[App page](https://appshunter.io/ios/app/vyay-fast-expense-tracker/id6761270752)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Vyay Pro — Monthly | $0.99 | per month |
| Vyay Pro — Annual | $9.99 | per year |


### Payoff

[App page](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Premium | $2.99 | one-time |


## Frequently asked questions

### Is Vyay free?

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

### Is Payoff free?

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

### Do Vyay or Payoff have ads?

Neither Vyay nor Payoff shows ads.

### Which is updated more often, Vyay or Payoff?

Vyay ships an update fortnightly, and Payoff every 5 months. Most recently, Vyay was updated on October 14, 2026 and Payoff on October 5, 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.*