# Payoff vs Harbor

The clearest difference is in-app purchases: Harbor at none against Payoff's 1. Harbor also leads on update cadence (weekly vs every 5 months). Payoff's advantage is device support (3 vs 1). On price, ads and iOS requirement there is nothing between them.

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

Payoff ships an update every 5 months, Harbor weekly. The most recent releases landed on October 5, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | Payoff | Harbor |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 5 months | **Weekly** |
| Size | 5 MB | 36 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Sandeep Mysore](https://appshunter.io/developer/1892943448) | [Eren Tutgun](https://appshunter.io/developer/6787316902) |

## 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 |


### Harbor

[App page](https://appshunter.io/ios/app/harbor-debt-tracker/id6792325424)

**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 Harbor free?

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

### Do Payoff or Harbor have ads?

Neither Payoff nor Harbor shows ads.

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

Payoff ships an update every 5 months, and Harbor weekly. Most recently, Payoff was updated on October 5, 2026 and Harbor on October 6, 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.*