# Payoff vs Cubby Budgeting App

The clearest difference is ads: Payoff at none against Cubby Budgeting App's shown. Payoff also leads on iOS requirement (15.0 vs 18.6). On price, update cadence, in-app purchases and device support there is nothing between them.

Both are free to download. Payoff sells 1 one-off in-app purchase and Cubby Budgeting App sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

Payoff ships an update every 5 months, Cubby Budgeting App daily. The most recent releases landed on October 26, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Payoff | Cubby Budgeting App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (3 ratings)](https://appshunter.io/ios/app/cubby-budgeting-app/id6777870508/reviews)** |
| Number of ratings | — | **3** |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 5 months | **Daily** |
| Monetization | — | Free with in-app purchases |
| Size | 5 MB | 19 MB |
| Requires iOS | **15.0** | 18.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Sandeep Mysore](https://appshunter.io/developer/1892943448) | [Joe Hernandez Loredo](https://appshunter.io/developer/6777870510) |

## What reviewers say

### Payoff

[App page](https://appshunter.io/ios/app/payoff-debt-tracker/id6762548093)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payoff Premium | $2.99 | one-time |


### Cubby Budgeting App

[App page](https://appshunter.io/ios/app/cubby-budgeting-app/id6777870508)

This app helps you track your spending, manage savings, and organize financial goals with a friendly interface. It breaks down expenses by category and allows you to set up savings buckets for specific targets. Build good money habits with visual progress tracking and a fun, encouraging experience.

**Highlights:** Spending overview by category, Savings goal tracking, Subscription management, Monthly budget review, Transaction history editing, Customizable dashboard

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Cubby Plus | $1.99 | per month |
| Cubby Plus | $19.99 | per year |


## Frequently asked questions

### Is Payoff free?

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

### Is Cubby Budgeting App free?

Cubby Budgeting App is free to download, with in-app purchases available.

### Do Payoff or Cubby Budgeting App have ads?

Cubby Budgeting App shows ads; Payoff does not.

### Which is updated more often, Payoff or Cubby Budgeting App?

Payoff ships an update every 5 months, and Cubby Budgeting App daily. Most recently, Payoff was updated on October 26, 2026 and Cubby Budgeting App on October 28, 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.*