# Payoff vs SteadyStep

The clearest difference is update cadence: SteadyStep at every 2 weeks against Payoff's every 6 weeks. Payoff's advantage is iOS requirement (15.1 vs 17.0). 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 SteadyStep sells 3 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Payoff ships an update every 6 weeks, SteadyStep every 2 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Payoff | SteadyStep |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/steadystep-debt-planner/id6791084400/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 2 weeks** |
| Monetization | — | Free with in-app purchases |
| Size | 56 MB | 6 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [JONATHAN DOUGLAS LAI](https://appshunter.io/developer/1850818875) | [航杭 虞](https://appshunter.io/developer/6790236142) |

## 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 |


### SteadyStep

[App page](https://appshunter.io/ios/app/steadystep-debt-planner/id6791084400)

Organize your debts, expenses, and repayments in a private workspace. Understand your cash flow, compare repayment strategies, and track your progress with deterministic calculations and clear plans.

**Highlights:** Organize debts and expenses, Track repayments and cash flow, Compare repayment strategies, View repayment schedules, Generate educational reports, Private and secure workspace

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SteadyStep Plus Monthly | $2.99 | per month |
| SteadyStep Plus Annual | $19.99 | per year |
| Single Debt Planning Report | $1.99 | one-time |


## Frequently asked questions

### Is Payoff free?

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

### Is SteadyStep free?

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

### Do Payoff or SteadyStep have ads?

Neither Payoff nor SteadyStep shows ads.

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

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