# Payoff vs BalancePilot

The clearest difference is update cadence: BalancePilot at every 4 days against Payoff's every 6 weeks. Payoff's advantage is iOS requirement (15.1 vs 17.6). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Payoff sells 4 in-app purchases, starting at $5.99 per month and BalancePilot sells 1 in-app purchase, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

Payoff ships an update every 6 weeks, BalancePilot every 4 days. Both last shipped on October 25, 2026.

## The numbers

| Metric | Payoff | BalancePilot |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 4 days** |
| Size | 56 MB | 9 MB |
| Requires iOS | **15.1** | 17.6 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [JONATHAN DOUGLAS LAI](https://appshunter.io/developer/1850818875) | [Julian Figueroa](https://appshunter.io/developer/1892612260) |

## What reviewers say

### Payoff

[App page](https://appshunter.io/ios/app/payoff-smart-debt-planner/id6761310986)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $5.99 | per month |
| Household Monthly | $9.99 | per month |
| Premium Yearly | $59.99 | per year |
| Household Yearly | $79.99 | per year |


### BalancePilot

[App page](https://appshunter.io/ios/app/balancepilot/id6763011325)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| BalancePilot Pro | $3.99 | per month |


## Frequently asked questions

### Is Payoff free?

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

### Is BalancePilot free?

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

### Do Payoff or BalancePilot have ads?

Neither Payoff nor BalancePilot shows ads.

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

Payoff ships an update every 6 weeks, and BalancePilot every 4 days. Most recently, Payoff was updated on October 25, 2026 and BalancePilot on October 25, 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.*