Comparison

Eliminate vs Payfin

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Eliminate

This app helps you track and pay down debt without connecting to your bank. It visualizes your debt-free date, offers payoff strategies, and sends payment reminders. Your financial data remains private and stored only on your device.

Highlights
  • Visualize debt-free date
  • Snowball or avalanche payoff methods
  • Payment reminders and alerts
  • Track interest savings
  • Log extra payments easily
  • Data stored locally
Features
Read full description

Take control of your debt and start building the future you deserve. Eliminate is a private, powerful debt payoff planner that lives entirely on your device. No accounts. No servers. No syncing. Your financial data never leaves your device. Whether you're juggling credit cards, personal loans, or other debts, Eliminate gives you the tools to track everything, plan your payoff strategy, and watch your progress in real time. DEBT PAYOFF STRATEGIES Choose between the Avalanche method (highest interest first) or the Snowball method (smallest balance first) to find the approach that works best for you. See exactly when you'll be debt-free and how much interest you'll save. TRACK ALL YOUR CARDS & LOANS Add your credit cards and track balances, APRs, limits and minimum payments in one place. With Pro, add car loans, student loans and personal loans too — loans show how much you have paid off rather than credit utilization, and they join your payoff plan automatically. MONTHLY BUDGET PLANNER Set a monthly budget, log transactions, and see exactly where your money is going. Stay on track every month. RECURRING TRANSACTIONS Set up recurring expenses so your budget stays accurate without the extra work. CHARTS & VISUALIZATIONS See your debt payoff timeline, balance trends, and progress charts at a glance. Watching your debt shrink has never felt so good. PAYMENT TRACKER Log payments as you make them and see at a glance when each card or loan is due next. Never lose track of a payment cycle. BACKUP & RESTORE Export and import your data anytime so you never lose your progress. COMPLETELY PRIVATE Eliminate is built with privacy at its core. There are no accounts to create, no data sent to servers, and no third parties with access to your financial information. Everything stays on your device. Always. FREE & PRO Get started for free with up to 3 credit cards. Upgrade to Pro for unlimited cards, loan tracking, full debt payoff tools, charts, recurring transactions, and more. Pro plans: Monthly subscription with a 7-day free trial Yearly subscription with a 7-day free trial (save 30%) Lifetime: one-time purchase Prices are shown in your local currency in the app and at checkout. Pay it down. Own your future. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://eliminateapp.com/privacy.html

About

Payfin

Read full description

Payfin turns a pile of debts into one clear picture: a single remaining balance, a projected debt-free date, and a plan to follow. Add what you owe, log each payment, and watch your total move as the payoff ring fills. Choose the method that fits you — avalanche (highest APR first) or snowball (smallest balance first) — and see how your projected debt-free date and interest change. FREE • Track one debt with the signature payoff ring and balance • Log payments and follow your progress • Pure-black dark and clean light themes PRO • Track unlimited debts • Avalanche & snowball planners with month-by-month projections • Projected debt-free date and monthly interest breakdown • Payment reminders and milestone moments • Home-screen widgets for your balance, next payment, and trajectory • Exclusive themes, accent colors, and app icons • Run "what-if" scenarios with extra payments and rate changes Payfin is a personal record-keeping and planning tool. Projections are estimates based on the numbers you enter — not financial advice. SUBSCRIPTION Payfin Pro is $4.99/week with a 3-day free trial, or $29.99/year. Payment is charged to your Apple ID at confirmation. Subscriptions auto-renew unless canceled at least 24 hours before the end of the period; manage or cancel anytime in App Store settings. Privacy Policy: https://hs0929.github.io/payfin/privacy/ Terms of Use: https://hs0929.github.io/payfin/terms/

Screenshots

Eliminate3 screens
Payfin4 screens

Verdict

The call

The clearest difference is update cadence: Eliminate at every 4 days against Payfin's every 3 weeks. Eliminate also leads on device support (3 vs 1). On price, ads, in-app purchases and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Eliminate sells 3 in-app purchases, starting at $2.99 per month and Payfin sells 2 in-app purchases, starting at $4.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Eliminate ships an update every 4 days, Payfin every 3 weeks. Both last shipped on October 24, 2026.

Scorecard2 real differences · 7 level
Eliminate versus Payfin: the parameters behind the verdict, then further details
ParameterEliminatePayfin
PriceFreeFree
Rating5.0 (2 ratings) — better—
Number of ratings2 — better—
Update frequencyEvery 4 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better16.4
Further details — not scored
Size3 MB71 MB
Age rating4+4+
DeveloperEliminate LLCEunbi Go

In-app purchases

3 purchases

Eliminate

Subscriptions2
  • Eliminate Pro Monthly$2.991 Month
  • Eliminate Pro Annual$24.991 Year
One-time1
  • Eliminate Pro Lifetime$39.99
2 purchases

Payfin

Subscriptions2
  • Payfin Weekly Premium Subscription3 Days trial$4.997 Days
  • Payfin Yearly Premium Subscription$29.991 Year

Questions

Is Eliminate free?
Eliminate is free to download, with in-app purchases available.
Is Payfin free?
Payfin is free to download, with in-app purchases available.
Do Eliminate or Payfin have ads?
Neither Eliminate nor Payfin shows ads.
Which is updated more often, Eliminate or Payfin?
Eliminate ships an update every 4 days, and Payfin every 3 weeks. Most recently, Eliminate was updated on October 24, 2026 and Payfin on October 24, 2026.

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