# Payoff vs Payoff Dots

The clearest difference is update cadence: Payoff Dots at every 2 weeks against Payoff's every 5 months. Payoff's advantage is iOS requirement (15.0 vs 18.0). On price, ads, 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 Payoff Dots sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Payoff ships an update every 5 months, Payoff Dots every 2 weeks. The most recent releases landed on October 26, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | Payoff | Payoff Dots |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payoff-dots-debt-tracker/id6799600750/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 weeks** |
| Monetization | — | Freemium |
| Size | 5 MB | 4 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Sandeep Mysore](https://appshunter.io/developer/1892943448) | [Waypoint Labs LLC UT](https://appshunter.io/developer/6799600752) |

## 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 |


### 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 Payoff free?

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

### Is Payoff Dots free?

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

### Do Payoff or Payoff Dots have ads?

Neither Payoff nor Payoff Dots shows ads.

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

Payoff ships an update every 5 months, and Payoff Dots every 2 weeks. Most recently, Payoff was updated on October 26, 2026 and Payoff Dots on October 29, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*