# Auto vs Zero Debt

The clearest difference is update cadence: Zero Debt at every 3 days against Auto's fortnightly. Auto's advantage is iOS requirement (15.1 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Auto sells 1 one-off in-app purchase and Zero Debt sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Auto ships an update fortnightly, Zero Debt every 3 days. The most recent releases landed on October 1, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | Auto | Zero Debt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/auto-pay-keeper/id6763533470/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 3 days** |
| Monetization | Free with in-app purchases | — |
| Size | 38 MB | 16 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Tien Yu Huang](https://appshunter.io/developer/1895361312) | [Sardor Akbarov](https://appshunter.io/developer/6780028842) |

## What reviewers say

### Auto

[App page](https://appshunter.io/ios/app/auto-pay-keeper/id6763533470)

This app helps you manage recurring automatic payments for bills, loans, and credit cards. It provides timely reminders before due dates and allows you to track payment statuses to avoid late fees and protect your credit score.

**Highlights:** Auto-pay deadline reminders, Advance deposit notifications, Complete list of upcoming payments, One-tap deposit status marking, Monthly payment tracking and analysis, Customizable reminders (premium)

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 頂天立地尊榮版 | $0.99 | one-time |


### Zero Debt

[App page](https://appshunter.io/ios/app/zero-debt-payoff-planner/id6797665696)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro | $39.99 | per year |
| Zero Pro Lifetime | $79.99 | one-time |


## Frequently asked questions

### Is Auto free?

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

### Is Zero Debt free?

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

### Do Auto or Zero Debt have ads?

Neither Auto nor Zero Debt shows ads.

### Which is updated more often, Auto or Zero Debt?

Auto ships an update fortnightly, and Zero Debt every 3 days. Most recently, Auto was updated on October 1, 2026 and Zero Debt 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.*