# RepayMemo vs Sail

The clearest difference is in-app purchases: RepayMemo at none against Sail's 1. RepayMemo also leads on update cadence (daily vs every 2 weeks). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Sail sells 1 one-off in-app purchase. RepayMemo asks for nothing beyond the download.

RepayMemo ships an update daily, Sail every 2 weeks. The most recent releases landed on October 28, 2026 and November 10, 2026 respectively.

## The numbers

| Metric | RepayMemo | Sail |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Daily** | Every 2 weeks |
| Size | 4 MB | 10 MB |
| Requires iOS | **17.0** | 18.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [ZHENZHOU SHI](https://appshunter.io/developer/1889489141) | [娣 张](https://appshunter.io/developer/1896712556) |

## What reviewers say

### RepayMemo

[App page](https://appshunter.io/ios/app/repaymemo/id6761517590)

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

**In-app purchases:** none


### Sail

[App page](https://appshunter.io/ios/app/sail-debt-tracker-and-planner/id6775908463)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 轻帆 Pro | $3.99 | one-time |


## Frequently asked questions

### Is RepayMemo free?

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

### Is Sail free?

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

### Do RepayMemo or Sail have ads?

Neither RepayMemo nor Sail shows ads.

### Which is updated more often, RepayMemo or Sail?

RepayMemo ships an update daily, and Sail every 2 weeks. Most recently, RepayMemo was updated on October 28, 2026 and Sail on November 10, 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.*