# Payoff vs LedgerView

The clearest difference is in-app purchases: LedgerView at none against Payoff's 4. LedgerView also leads on update cadence (every 2 weeks vs every 6 weeks). Payoff's advantage is iOS requirement (15.1 vs 17.0). On price, ads 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. LedgerView asks for nothing beyond the download.

Payoff ships an update every 6 weeks, LedgerView every 2 weeks. Both last shipped on October 25, 2026.

## The numbers

| Metric | Payoff | LedgerView |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 2 weeks** |
| Size | 56 MB | 7 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [JONATHAN DOUGLAS LAI](https://appshunter.io/developer/1850818875) | [Michael Norman](https://appshunter.io/developer/1879971792) |

## 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 |


### LedgerView

[App page](https://appshunter.io/ios/app/ledgerview/id6766690989)

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

**In-app purchases:** none


## Frequently asked questions

### Is Payoff free?

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

### Is LedgerView free?

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

### Do Payoff or LedgerView have ads?

Neither Payoff nor LedgerView shows ads.

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

Payoff ships an update every 6 weeks, and LedgerView every 2 weeks. Most recently, Payoff was updated on October 25, 2026 and LedgerView 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.*