# DebtSlayer vs Payoff Dots

The clearest difference is rating: Payoff Dots at 5.0 against DebtSlayer's 4.1. Payoff Dots also leads on review sentiment (100% vs 60%). DebtSlayer's advantage is ratings volume (8 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. DebtSlayer sells 2 in-app purchases, starting at $8.99 per month and Payoff Dots sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Payoff Dots holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: DebtSlayer has 8 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 60% of DebtSlayer's written reviews are positive against 100% of Payoff Dots's.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 18, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | DebtSlayer | Payoff Dots |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (8 ratings)](https://appshunter.io/ios/app/debtslayer-conquer-your-debt/id6762011753/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payoff-dots-debt-tracker/id6799600750/reviews)** |
| Number of ratings | **8** | 1 |
| Positive reviews | 60.0% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free with in-app purchases | Freemium |
| Size | 169 MB | 4 MB |
| Requires iOS | **17.0** | 18.0 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Nexo Development LLC](https://appshunter.io/developer/1826662765) | [Waypoint Labs LLC UT](https://appshunter.io/developer/6799600752) |

## What reviewers say

### DebtSlayer

[App page](https://appshunter.io/ios/app/debtslayer-conquer-your-debt/id6762011753)

Transform debt repayment into an engaging game by visualizing your debts as monsters to defeat. Choose from various strategies to tackle your financial obligations and track your progress with personalized feedback and rewards.

**Highlights:** Visualize debts as monsters, Multiple debt payoff strategies, Real-time interest cost tracking, Debt-free date simulator, XP and achievement system, Personalized antagonist reactions

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| DebtSlayer Pro | $8.99 | per month |
| DebtSlayer Pro Annual | $39.99 | per year |


### Payoff Dots

[App page](https://appshunter.io/ios/app/payoff-dots-debt-tracker/id6799600750)

Visualize and track your debt repayment progress with a unique dot-filling system. Monitor multiple debts, record payments, and see your balances decrease over time. Archive debts and use discreet widgets for a clear overview.

**Highlights:** Visual payoff dots for each debt, Progress tracking for individual and overall debts, Quick balance updates, Archive completed or paused debts, Discreet widgets without dollar amounts, Private iCloud sync, Light and dark appearance modes

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Dots Pro | $9.99 | one-time |


## Frequently asked questions

### Is DebtSlayer free?

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

### Is Payoff Dots free?

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

### Which has better reviews, DebtSlayer or Payoff Dots?

Payoff Dots is rated higher. DebtSlayer averages 4.1 out of 5 from 8 ratings, while Payoff Dots averages 5.0 from 1 ratings.

### Do DebtSlayer or Payoff Dots have ads?

Neither DebtSlayer nor Payoff Dots shows ads.

### Which is updated more often, DebtSlayer or Payoff Dots?

DebtSlayer ships an update every 2 weeks, and Payoff Dots every 2 weeks. Most recently, DebtSlayer was updated on October 18, 2026 and Payoff Dots on October 11, 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.*